| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES, INC | 22322 GRAND CORNER, STE 220 KATY, TX 77494 | TRANSAMERICA LIFE INSURANCE CO. | $6K | — | $6K | 30.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENTRUST, LLC DBA 90 DEGREE BENEFITS EIN 76-0312320 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $73K |
| TPAC UNDERWRITERS, INC. EIN 75-2396335 NONE | Other services Service code 49 | — | $62K |
| MEDICAL HELPINE, LLC EIN 76-0595405 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $14K |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | TRANSAMERICA LIFE INSURANCE CO. | 152 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.