| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTS & CROW INC3 | 1221 MERIT DR, SUITE 300 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $63K | $31 | $63K | 4.94% |
| ROBERTS & CROW INC3 | 12221 MERIT DR, SUITE 300 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 7.09% |
| ROBERTS & CROW INC3 | 12221 MERIT DR. SUITE 300 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.97% |
| ROBERTS & CROW INC3 | 12221 MERIT DR., SUITE 300 DALLAS, TX 75251 | VISION SERVICES PLAN | $736 | — | $736 | 7.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABY BENEFITS LLC EIN 47-2794504 SERVICE PROVIDER | Recordkeeping fees; Claims processing Service code 12 | 1331 AIRPORT FREEWAY #402 EULESS, TX 76040 | $5K |
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 | 116 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 183 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $149K |
| Vision | VISION SERVICES PLAN | 67 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $149K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $149K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $149K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.