| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE E WILSON3 | 5220 SPRING VALLEY RD STE 522 DALLAS, TX 752542464 | BLUE CROSS BLUE SHIELD NM | $71K | — | $71K | 4.86% |
| GEORGE E WILSON3 | 5220 SPRING VALLEY RD #LL20 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 5220 SPRING VALLEY RD STE LL 20 DALLAS, TX 75254 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $86 | $86 | 0.17% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD NM | 200 | $1.5M |
| Dental | NATIONAL GUARDIAN LIFE | 187 | $53K |
| Vision | NATIONAL GUARDIAN LIFE | 187 | $53K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $51K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.