| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | BLUECROSS BLUESHIELD OF TEXAS | $136K | — | $136K | 5.37% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | DEARBORN LIFE INSURANCE COMPANY | $32K | — | $32K | 14.16% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | FRINGE BENEFIT GROUP | $11K | $8K | $19K | 17.30% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS, INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | FRINGE BENEFIT GROUP | — | $13K | $13K | 11.77% |
| PHCS3 Filed as: MULTIPLAN, INC | PO BOX 29380 NEW YORK, NY 10087 | FRINGE BENEFIT GROUP | — | $4K | $4K | 3.60% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | GUARDIAN | $44K | — | $44K | 43.43% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | GUARDIAN | $26K | — | $26K | 26.39% |
| H E INSURANCE INC3 | — | GUARDIAN | $891 | — | $891 | 0.89% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METLIFE LEGAL PLANS, INC | $1K | $79 | $1K | 11.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX, INC EIN 01-0526993 ADMINISTRATOR | Claims processing Service code 12 | — | $7K |
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 | 862 | 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) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 595 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 595 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 862 | $223K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 862 | $223K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 862 | $223K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 862 | $223K |
| Prescription drug | FRINGE BENEFIT GROUP | 176 | $111K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 862 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.