| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $29K | — | $29K | 4.90% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 12.95% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 21.32% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | SUPERIOR VISION PLAN OF TEXAS | $1K | — | $1K | 19.95% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 184 | $584K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $56K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 49 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $42K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 184 | $584K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.