| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE KENNEDY BENEFITS GROUP3 | 706 SUE BARNETT DRIVE HOUSTON, TX 77018 | DAVIS VISION | $7K | — | $7K | 10.00% |
| THE KENNEDY BENEFITS GROUP3 | — | ALPHA DENTAL PROGRAMS, INC. | $1K | — | $1K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 NONE | Other fees; Direct payment from the plan Service code 50 | — | $1.1M |
| HORIZON ACTUARIAL SERVICES,INC. EIN 26-1370698 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $370K |
| ADMINISTRATIVE CONSULTING SERVICES NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 661 N. ERICSON RD. CORDOVA, TN 38018 | $199K |
| REINHART, ET AL EIN 39-1126909 NONE | Direct payment from the plan; Legal Service code 29 | — | $166K |
| UFCW BENEITS ADMINISTRATION, LLC EIN 77-0613772 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $134K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $106K |
| DENNIS G. JENKINS, C.P.A., LLC EIN 20-5886120 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $63K |
| OPTUM RX EIN 75-1379068 NONE | Other fees; Direct payment from the plan Service code 50 | — | $43K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Custodial (securities); Investment advisory (plan) Service code 19 | — | $38K |
| PATRICK FLYNN EIN 75-1379068 NONE | Other fees; Direct payment from the plan Service code 50 | — | $29K |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 310 | $570K |
| Vision(2 contracts, 2 carriers) | VISION SERVICES PLAN | 1,109 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.