| 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 | $125K | $10K | $135K | 4.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $41K | — | $41K | 1.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.59% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP A | 8550 UNITED PLAZA BLVD, SUITE 210 BATON ROUGE, LA 70809 | GUARDIAN | $36K | $2K | $38K | 27.47% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | GUARDIAN | $24K | $1K | $25K | 17.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $5K | — | $5K | 3.55% |
| H E INSURANCE INC3 | — | GUARDIAN | $260 | — | $260 | 0.19% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 W FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | FRINGE BENEFIT GROUP | $6K | $5K | $11K | 13.76% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | FRINGE BENEFIT GROUP | — | $10K | $10K | 11.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | FRINGE BENEFIT GROUP | $2K | $1K | $3K | 3.72% |
| PHCS3 Filed as: MULTIPLAN, INC. | PO BOX 29380 NEW YORK, NY 10087 | FRINGE BENEFIT GROUP | — | $3K | $3K | 3.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUTIE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | $98 | — | $98 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX, INC. EIN 01-0526993 ADMINISTRATOR | Claims processing Service code 12 | — | $11K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 660 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 660 | $3.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,065 | $255K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,065 | $255K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,065 | $255K |
| Prescription drug | FRINGE BENEFIT GROUP | 115 | $82K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,065 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.