| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MORGAN BAIRD JR3 | 313 SOUTH JUPITER RD STE 200 ALLEN, TX 750023054 | BLUE CROSS BLUE SHIELD | $75K | $7K | $82K | 4.22% |
| THOMAS MORGAN BAIRD JR3 | 313 SOUTH JUPITER RD STE 200 ALLEN, TX 750023054 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.44% |
| THOMAS MORGAN BAIRD JR3 | 313 SOUTH JUPITER RD STE 200 ALLEN, TX 750023054 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | $118 | $8K | 10.24% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 273 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $136K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $136K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 191 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 273 | $1.9M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 191 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.