| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | — | BLUECROSS BLUESHIELD OF TEXAS | $13K | — | $13K | 6.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 3.91% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | $6K | — | $6K | 3.03% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 11.34% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | — | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 2.60% |
| ROGERS BENEFIT GROUP INC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 2.44% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | — | BLUE CROSS BLUE SHIELD OF TEXAS | $1K | — | $1K | 1.75% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | — | BLUECROSS BLUESHIELD OF TEXAS | $1K | $99 | $1K | 3.32% |
| DEAN & DRAPER LP3 Filed as: DEAN & DRAPER INSURANCE | — | BLUECROSS BLUESHIELD OF TEXAS | $596 | — | $596 | 1.46% |
| BENEFIT SOLUTION GROUP INC3 Filed as: BENEFIT SOLUTION | — | BLUECROSS BLUESHIELD OF TEXAS | $2K | $559 | $2K | 6.31% |
| DEAN & DRAPER LP3 Filed as: DEAN & DRAPER | — | BLUECROSS BLUESHIELD OF TEXAS | $989 | — | $989 | 2.81% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, LP | — | BLUECROSS BLUESHIELD OF TEXAS | $3K | $258 | $3K | 12.12% |
| DEAN & DRAPER LP3 Filed as: DEAN & DRAPER | — | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 7.21% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 39 | $361K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $127K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $127K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $127K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.