| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | BLUE CROSS BLUE SHIELD OF TEXAS | $43K | $2K | $45K | 5.06% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | HUMANA INSURANCE COMPANY | $6K | $158 | $6K | 10.18% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $984 | $0 | $984 | 9.15% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | HARTFORD LIFE AND ACCIDENT | $551 | $0 | $551 | 15.00% |
| ZESCH & PICKETT INSURANCE, LLP3 | PO BOX 431 SAN ANGELO, TX 76902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $546 | $0 | $546 | 14.99% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 203 | $881K |
| Dental | HUMANA INSURANCE COMPANY | 101 | $61K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $11K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $14K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.