| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE CREDIT UNION3 | 6219 SPUR 327 LUBBOCK, TX 79424 | BAYLORSCOTT&WHITE HEALTH PLAN | $40K | $0 | $40K | 6.35% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE TPA | 475 FALLBROOK BLVD LINCOLN, NV 68521 | AMERITAS LIFE INSURANCE CORP | $8K | $0 | $8K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LANE MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP | $0 | $2K | $2K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| ALLIANCE CREDIT UNION3 | 6219 SPUR 327 LUBBOCK, TX 79424 | BAYLORSCOTT&WHITE HEALTH PLAN | $2K | $0 | $2K | 5.68% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BAYLORSCOTT&WHITE HEALTH PLAN | 176 | $664K |
| Dental | AMERITAS LIFE INSURANCE CORP | 118 | $55K |
| Vision | AMERITAS LIFE INSURANCE CORP | 118 | $55K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 123 | $48K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 123 | $48K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 123 | $48K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 123 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.