| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 225 KENNETH DR ROCHESTER, NY 14623 | BLUECROSS BLUESHIELD OF TEXAS | $18K | — | $18K | 2.71% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE GROUP | 225 KENNETH DRIVE ROCHESTER, NY 14623 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | DEARBORN LIFE INSURANCE COMPANY | — | $528 | $528 | 1.09% |
| TPB INSURANCE GROUP, INC.3 Filed as: TPB INSURANCE GROUP INC | 1900 NW LOOP 410 SAN ANTONIO, TX 78213 | DEARBORN LIFE INSURANCE COMPANY | $289 | — | $289 | 0.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET 234 PHOENIX, AZ 85018 | DEARBORN LIFE INSURANCE COMPANY | — | $162 | $162 | 0.34% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 182 | $681K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 182 | $681K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 76 | $48K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 76 | $48K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 76 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.