| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE KENNEDY BENEFITS GROUP3 | — | DELTA DENTAL | $80K | — | $80K | 5.70% |
| DEBRA JEAN HUMPHREY3 Filed as: DEBRA DENNY | — | DELTA DENTAL | $32K | — | $32K | 2.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 NONE | Direct payment from the plan; Other fees Service code 50 | — | $2.8M |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $1.2M |
| OPTUM RX EIN 75-1379068 NONE | Direct payment from the plan; Other fees Service code 50 | — | $904K |
| UFCW BENEITS ADMINISTRATION, LLC EIN 77-0613772 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $629K |
| PRICE WATERHOUSE COOPERS, LLC EIN 13-4008324 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $516K |
| CIGNA NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 3500 PIEDMONT RD. ATLANTA, GA 30305 | $212K |
| REINHART, ET AL EIN 39-1126909 NONE | Direct payment from the plan; Legal Service code 29 | — | $206K |
| U.S. ABLE CORP EIN 71-0246079 NONE | Other fees; Direct payment from the plan Service code 50 | — | $139K |
| HEALTH X EIN 35-1928243 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $129K |
| BRENDA BEITZ EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| STACY BREWER EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| PATRICK FLYNN EIN 75-1379068 NONE | Direct payment from the plan; Other fees Service code 50 | — | $66K |
| TAMMY ANDREWS EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| LISA GILPATRICK EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| THERESA MALLORY EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| MARY TREVINO EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| GUADALUPE GUERRA EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| SHERRY HILL EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| WILLIAM LESLIE EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| ANNA CERVANTES EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| YVONNE HUTCHINSON EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| MARZETTIA FEIFER EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| NAKITA BROWN EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $45K |
| JESSIE CLINE EIN 75-1379068 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| JUDY JETTON EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| ROSE NOE EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Custodial (securities); Direct payment from the plan; Investment advisory (plan) Service code 19 | — | $39K |
| DELOIS BROOKS EIN 75-1379068 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| MARY JOHNSON EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| VALERIE HALL EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| SHIRLEY MAXWELL EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $31K |
| MARIA CHAVEZ EIN 75-1379068 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| BARBARA ELLIOTT EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| MELISSA USRY EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| DENNIS G. JENKINS, C.P.A., LLC EIN 20-5886120 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| ALICE MARTINEZ EIN 75-1379068 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| VICKIE GRAHAM EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $24K |
| MARLENE HOPKINS EIN 75-1379068 SPOUSE OF TRUSTEE | Employee (plan); Direct payment from the plan Service code 30 | — | $13K |
| FALCONS ROCK INVESTMENT COUNSEL EIN 55-0844872 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $12K |
| ROBERT HALF NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 13727 NOEL RD. DALLAS, TX 75252 | $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 | 14,227 | 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) | 14,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 6,230 | $1.4M |
| Vision | VISION SERVICES PLAN | 1,586 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,230 | — |
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.
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.