| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOC. INSURORS AGENCY, LP | 1120 CAPITAL OF TEXAS HWY, S. BUILDING 3, STE. 300 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $38K | $0 | $38K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS, LP | 1120 S CAPITAL TEXAS HWY BUILDING 3, STE 300 AUSTIN, TX 78746 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LYNDON B. JOHNSON FWY. STE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.01% |
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 | 114 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 159 | $749K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 159 | $749K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $41K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $41K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.