| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY ATLANTA, GA 30339 | BERKLEY LIFE & HEALTH INS CO | $0 | $0 | $0 | 0.00% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $23K | $3K | $25K | 11.17% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.22% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN LIFE INSURANCE COMPANY | $4K | $327 | $4K | 16.18% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $84 | $2K | 10.58% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $61 | $61 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $613K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $195K |
| VXTRA PARTNERS, LLC EIN 02-0677823 BROKER | Other commissions Service code 55 | 2700 CUMBERLAND BLVD STE 140 ATLANTA, GA 30339 | $75K |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $121K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $15K |
| Life insurance | THE LINCOLN LIFE INSURANCE COMPANY | 233 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 234 | $227K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 236 | $614K |
| Other | THE LINCOLN LIFE INSURANCE COMPANY | 233 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.