| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $10K | $34K | 24.63% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | UNION SECURITY INSURANCE COMPANY | $12K | $645 | $12K | 10.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $361 | $361 | 0.32% |
| GPA3 | 12770 MERIT DRIVE, 2ND FLOOR DALLAS, TX 75251 | TOKIO MARINE HCC | $3K | $936 | $4K | 13.60% |
| GBC BENEFITS LTD Filed as: GBC BENEFITS, LTD. | — | SUPERIOR VISION PLAN OF TEXAS | $2K | — | $2K | 10.00% |
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 30.69% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 167 | $114K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 141 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $139K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $139K |
| Stop-loss / reinsurancereinsurance | SYMETRA FINANCIAL | 154 | $323K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.