| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NBI & ASSOCIATES LLC3 | PO BOX 33588 FORT WORTH, TX 76162 | BLUECROSS BLUESHIELD OF TEXAS | $51K | $2K | $54K | 3.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMLES MURPHY AND ASSOC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $26K | $0 | $26K | 1.64% |
| NBI & ASSOCIATES LLC3 | PO BOX 33588 FORT WORTH, TX 76162 | NATIONAL GUARDIAN LIFE | $9K | $0 | $9K | 10.00% |
| NBI & ASSOCIATES LLC3 | PO BOX 33588 FORT WORTH, TX 76162 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.74% |
| NBI & ASSOCIATES LLC3 Filed as: NBI & ASSOCIATES INC | PO BOX 33588 FORT WORTH, TX 76162 | EYEMED | $1K | $0 | $1K | 5.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | EYEMED | $786 | $0 | $786 | 3.72% |
| BLOOM HEALTH INSURANCE AGENCY LLC3 Filed as: BLOOM HEALTH CORPORATION | 15 S 5TH ST, STE 300 MINNEAPOLIS, MN 55402 | EYEMED | $386 | $0 | $386 | 1.83% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 749 | $1.6M |
| Dental | NATIONAL GUARDIAN LIFE | 200 | $90K |
| Vision | EYEMED | 300 | $21K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 285 | $23K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 285 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.