| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD SUITE 350 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF TEXAS | $229K | $6K | $235K | 5.40% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | AMERITAS LIFE INSURANCE CORP | $47K | $0 | $47K | 15.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | SYMETRA LIFE INSURANCE COMPANY | $52K | $10K | $62K | 19.66% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $21K | $25K | 49.32% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD., SUITE 3 PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $6K | $19K | 38.00% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $9K | $12K | 23.69% |
| KELLY JACKS3 | 19601 LEWIS RD WANETTE, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 7.63% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST. LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $431 | $717 | 1.42% |
| BARBARA L DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $0 | $210 | 0.42% |
| LEANN RENEE BRUMLEY3 | 4 GLENDALE CT. TROPHY CLUB, TX 76262 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $0 | $210 | 0.42% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD SUITE 350 PLANO, TX 75093 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 590 | $4.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 844 | $315K |
| Vision | AMERITAS LIFE INSURANCE CORP | 844 | $315K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 775 | $314K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 775 | $314K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 775 | $314K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 590 | $4.3M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 775 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.