| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 601 N. MESA, SUITE 1550 EL PASO, TX 79901 | BLUECROSS BLUESHIELD OF TEXAS | $39K | $3K | $42K | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TX INC FT WORT | 601 N. MESA, SUITE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $2K | $968 | $3K | 16.20% |
| STACY R RODGERS3 | PO BOX 18777 CORPUS CHRISTI, TX 78480 | TRANSAMERICA LIFE INSURANCE COMPANY | $218 | — | $218 | 4.12% |
| JOE A RODGERS3 Filed as: JOE RODGERS | 1601 DOVE LANE CORPUS CHRISTI, TX 78418 | TRANSAMERICA LIFE INSURANCE COMPANY | $114 | — | $114 | 2.15% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306 STE 305 NEW BRAUNFELS, TX 78130 | TRANSAMERICA LIFE INSURANCE COMPANY | $105 | — | $105 | 1.98% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGENC | 216 S 200 W CEDAR CITY, UT 84720 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | — | $52 | 0.98% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 800 GESSNER RD. SUITE 300 HOUSTON, TX 77024 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | — | $45 | 0.85% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 171 | $789K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 171 | $789K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 194 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 194 | $20K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 194 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.