| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL L. PEOPLES3 | 600 W 5TH ST STE 200 AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 5.26% |
| DANIEL L. PEOPLES3 | 1703 MOHLE DRIVE AUSTIN, TX 78703 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.78% |
| THOMAS BALL III3 | 600 W 5TH SUITE 200 AUSTIN, TX 78701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.78% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J. MCGURRAN | 2411 N HALL ST 17 DALLAS, TX 75204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J. MCGURRAN | 2411 N HALL ST 17 DALLAS, TX 75204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS H. BALL III | 600 W 5TH ST STE 200 AUSTIN, TX 78701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 7.51% |
| DANIEL PEOPLES3 | 600 W 5TH SUITE 200 AUSTIN, TX 78701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 7.51% |
| THOMAS W BOSTON3 Filed as: THOMAS H. BALL III | 600 W 5TH ST STE 200 AUSTIN, TX 78701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23 | $23 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BDG BENEFITS DESIGN GROUP, INC. EIN 20-0561855 NONE | Claims processing Service code 12 | P O BOX 803256 DALLAS, TX 75380 | $9K |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $838K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $59K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $838K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $5K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $838K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.