| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS, LLC | 1120 S CAPITAL OF TEXAS HWY BLDG. 3 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $53K | $1K | $54K | 4.60% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. AND FINANCIAL SVCS. | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | $92 | $5K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURANCE AGENCY L | 1120 S CAPITAL OF TEXAS HWY STE 300 AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE DALLAS | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.98% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 163 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 163 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 148 | $66K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 148 | $66K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 148 | $66K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 148 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.