| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTS & CROW INC3 Filed as: ROBERTS & CROW INC. | 1221 MERIT DRIVE SUITE300 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $73K | $73K | 4.95% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.33% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | VISION SERVICE PLAN | $883 | $0 | $883 | 7.10% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ROBERTS & CROW INC3 | 12221 MERIT DR STE 300 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $149 | $0 | $149 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABY BENEFITS INC EIN 47-2794504 SERVICE PROVIDER | Claims processing; Recordkeeping fees Service code 12 | — | $10K |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $106K |
| Vision | VISION SERVICE PLAN | 92 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $32K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.