| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | 430 WEST BEAUREGARD SAN ANGELO, TX 76902 | BLUE CROSS BLUE SHIELD OF TEXAS | $25K | $2K | $27K | 3.08% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | 430 W. BEAUREGARD SAN ANGELO, TX 76902 | GUARDIAN | $3K | $0 | $3K | 4.78% |
| ERIK G LILJENWALL3 Filed as: ERIK G. LILJENWALL | 4907 FAST FOX AUSTIN, TX 78746 | GUARDIAN | $15 | $0 | $15 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J. MCGURRAN | 5235 RICHARD AVE. DALLAS, TX 75206 | GUARDIAN | $14 | $0 | $14 | 0.02% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | 430 WEST BEAUREGARD SAN ANGELO, TX 76902 | THE HARTFORD | $6K | $0 | $6K | 15.00% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | 430 WEST BEAUREGARD SAN ANGELO, TX 76902 | AMERITAS LIFE INSURANCE CORP. | $2K | $164 | $2K | 11.08% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | 430 WEST BEAUREGARD SAN ANGELO, TX 76903 | RELIANCE STANDARD LIFE INSURANCE CO. | $3K | $0 | $3K | 20.00% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 204 | $871K |
| Dental | GUARDIAN | 98 | $61K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 176 | $15K |
| Life insurance | THE HARTFORD | 146 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 84 | $15K |
| Other | THE HARTFORD | 146 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.