| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS, LLC | 17347 VILLAGE GREEN DRIVE STE 111 HOUSTON, TX 77040 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | — | $52K | 4.59% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1K | $1K | 0.12% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS, LLC | 17347 VILLAGE GREEN DR STE 111 HOUSTON, TX 77040 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 20.17% |
| BOLDEN INSURANCE AGENCY LLC3 | 1111 W. MOCKINGBIRD LN STE 180 DALLAS, TX 75247 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.79% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETSVILLE, TX 77964 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $819 | — | $819 | 2.01% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVEENUE #3A BAY ST. LOUIS, MS 39520 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | — | $307 | 0.75% |
| JEFFERSON DRUMMOND3 | 4740 TRAIL LAKE DR FORT WORTH, TX 76133 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 0.57% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY | 3212 BARKWOOD LANE FRISCO, TX 75034 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.49% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DR GARLAND, TX 75041 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 0.41% |
| MAURICO AIMO3 | 381 CASA LINDA PLAZA STE 238 DALLAS, TX 75218 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.30% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY | 3212 BARKWOOD LANE FRISCO, TX 75034 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.26% |
| HRO BENEFIT ADVISORS LLC3 | 17347 VILLAGE GREEN DR STE 111 HOUSTON, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 178 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 178 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 81 | $12K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 190 | $101K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 190 | $101K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 190 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 178 | $1.1M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 190 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.