| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $77K | $0 | $77K | 3.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $0 | $27K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 11.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 700 NORTH PEARL STREET SUITE N1700 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $483 | $7K | 5.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | EYEMED | $2K | $0 | $2K | 8.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 847746 DALLAS, TX 75284 | EYEMED | $405 | $0 | $405 | 1.65% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 1110 COGBURN COURT SHADY SHORES, TX 76208 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $348 | $0 | $348 | 4.22% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 449 | $2.0M |
| Dental | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 488 | $180K |
| Vision | EYEMED | 414 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $114K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $114K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 449 | $2.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.