| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH SERVICES LLC | 558 SILICON DR STE 100 SOUTHLAKE, TX 76092 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $86K | $86K | 2.64% |
| GBMB INSURANCE AGENCY, LLC3 Filed as: GBMB INSURANCE AGENCY LLC | PO BOX 790828 SAN ANTONIO, TX 78279 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $85K | $85K | 2.62% |
| WILLIAM R MARTIN3 | P O BOX 790828 SAN ANTONIO, TX 78279 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| GBMB INSURANCE AGENCY, LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $11K | $11K | 4.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | — | $25K | 56.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 790828 SAN ANTONIO, TX 78279 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 32.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 31.98% |
| GBMB INSURANCE AGENCY, LLC3 | 120 OAK CREEK CT STE 100 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $669 | $8K | 23.27% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $157 | $157 | 0.46% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 31.79% |
| GBMB INSURANCE AGENCY, LLC3 | 120 OAK CREEK CT STE 100 SAN ANTONIO, TN 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $381 | $4K | 23.18% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.45% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 32.27% |
| GBMB INSURANCE AGENCY, LLC3 | 120 OAK CREEK CT STE 100 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $373 | $4K | 23.53% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.46% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 767 | $3.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 664 | $205K |
| Vision | AMERITAS LIFE INSURANCE CORP | 664 | $205K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 394 | $309K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 394 | $265K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 394 | $265K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 394 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.