| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 601 NORTH MESA STREET SUITE 1550 EL PASO, TX 79901 | BLUECROSS BLUESHIELD OF TEXAS | $49K | $2K | $50K | 4.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | UNKNOWN MESQUITE, TX 75149 | BLUECROSS BLUESHIELD OF TEXAS | $13K | $0 | $13K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.50% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | DEARBORN LIFE INSURANCE COMPANY | $0 | $689 | $689 | 0.86% |
| IPS ADVISORS3 | UNKNOWN FORT WORTH, TX 76107 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 10.09% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 143 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 134 | $55K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 123 | $81K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 123 | $81K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 123 | $81K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 143 | $1.2M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 123 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.