| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE KENNEDY BENEFITS GROUP3 | — | ALPHA DENTAL PROGRAMS, INC. | $103K | — | $103K | 8.00% |
| THE KENNEDY BENEFITS GROUP3 | — | DAVIS VISION | $71K | — | $71K | 10.00% |
| THE KENNEDY BENEFITS GROUP3 | — | DELTA DENTAL | — | — | $0 | — |
| DEBRA JEAN HUMPHREY3 Filed as: DEBRA DENNY | — | DELTA DENTAL | — | — | $0 | — |
| 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 | Direct payment from the plan; Participant communication Service code 38 | — | $1.1M |
| UFCW BENEITS ADMINISTRATION, LLC EIN 77-0613772 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $585K |
| REINHART, ET AL EIN 39-1126909 NONE | Direct payment from the plan; Legal Service code 29 | — | $250K |
| PRICE WATERHOUSE COOPERS, LLC EIN 13-4008324 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $245K |
| OPTUM RX EIN 75-1379068 NONE | Direct payment from the plan; Other fees Service code 50 | — | $231K |
| HEALTH X EIN 35-1928243 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $184K |
| CIGNA NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 3500 PIEDMONT RD. ATLANTA, GA 30305 | $182K |
| HORIZON ACTUARIAL SERVICES,INC. EIN 26-1370698 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $152K |
| U.S. ABLE CORP EIN 71-0246079 NONE | Direct payment from the plan; Other fees Service code 50 | — | $139K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Investment advisory (plan); Custodial (securities); Direct payment from the plan Service code 19 | — | $99K |
| PATRICK FLYNN EIN 75-1379068 NONE | Direct payment from the plan; Other fees Service code 50 | — | $94K |
| BRENDA BEITZ EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| STACY BREWER EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| JESSIE CLINE EIN 75-1379068 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| TAMMY ANDREWS EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| YVONNE HUTCHINSON 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 | — | $50K |
| GUADALUPE GUERRA EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| THERESA MALLORY EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| SHERRY HILL EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| BARBARA ELLIOTT EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| ANNA CERVANTES EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $48K |
| LISA GILPATRICK EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| WILLIAM LESLIE EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| MARZETTIA FEIFER EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| VIRGINIA RIVERA EIN 75-1379068 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| BETTY ROGERS EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| NAKITA BROWN EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| ROSE NOE EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| JUDY JETTON EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| MAYRA RODRIGUEZ EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| 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 |
| DENNIS G. JENKINS, C.P.A., LLC EIN 20-5886120 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| VALERIE HALL EIN 75-1379068 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| ALICE MARTINEZ EIN 75-1379068 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| CHRISTINA GAMEZ EIN 75-1379068 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| EVITA CASTRO EIN 75-1379068 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| TMDG, LLC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 500 E. PRATT ST. SUITE 525 BALTIMORE, MD 21202 | $25K |
| FALCONS ROCK INVESTMENT COUNSEL EIN 55-0844872 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $12K |
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 | 13,472 | 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) | 13,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS, INC. | 10,669 | $1.3M |
| Vision(2 contracts, 2 carriers) | DAVIS VISION | 13,363 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,363 | — |
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."
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.