| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $6K | $2K | $8K | 0.58% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | DEARBORN LIFE INSURANCE COMPANY | $6K | $417 | $7K | 16.00% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $119 | $119 | 1.33% |
| UNKNOWN3 | UNKNOWN MIDLAND, TX 79703 | NEW BENEFITS | $1K | — | $1K | — |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 244 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 244 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $14K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 174 | $42K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 244 | $1.4M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 174 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.