| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | HUMANA | $29K | $0 | $29K | 5.00% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 2400 N GLENVILLE DR, STE B125 RICHARDSON, TX 75082 | HUMANA | $0 | $11K | $11K | 1.85% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | HUMANA | $7K | $0 | $7K | 11.29% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | FRESHBENIES | $4K | $0 | $4K | 17.32% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $518 | $3K | 17.68% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $235 | $1K | 17.80% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 14.90% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $50 | $1K | 15.75% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 9600 GREAT HILLS TRL, STE 225W AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $314 | $13 | $327 | 15.63% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 127 | $581K |
| Dental | HUMANA | 126 | $61K |
| Vision | HUMANA | 126 | $61K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $8K |
| Other(4 contracts, 3 carriers) | FRESHBENIES | 158 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.