| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $1K | $31K | 4.23% |
| JOHN A. LUDDEKE3 Filed as: JOHN E OTTO | 4717 GOLLIHAR CORPUS CHRISTI, TX 78411 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.72% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGENC | 216 S 200 W CEDAR CITY, UT 84720 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.28% |
| STACY R RODGERS3 | 637 BEL AIR CORPUS CHRISTI, TX 78418 | TRANSAMERICA LIFE INSURANCE COMPANY | $604 | — | $604 | 1.71% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306 STE 305 NEW BRAUNFELS, TX 78130 | TRANSAMERICA LIFE INSURANCE COMPANY | $460 | — | $460 | 1.30% |
| JOE A RODGERS3 Filed as: JOE RODGERS | 1601 DOVE LANE CORPUS CHRISTI, TX 78418 | TRANSAMERICA LIFE INSURANCE COMPANY | $150 | — | $150 | 0.43% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 761075739 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $766 | $2K | 30.61% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | DEARBORN LIFE INSURANCE COMPANY | $831 | — | $831 | 14.76% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 219 | $730K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 219 | $730K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $8K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 173 | $6K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 173 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
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.