| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 | 8200 NORTH MOPAC EXPRESSWAY SUITE 350 AUSTIN, TX 78759 | BLUECROSS BLUESHIELD OF TEXAS | $24K | $0 | $24K | 2.41% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET, SUITE 380-736 SAN FRANCISCO, CA 94115 | BLUECROSS BLUESHIELD OF TEXAS | $11K | $0 | $11K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 NORTH RIVERSIDE PLAZA 17TH FLOOR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $0 | $5K | 0.49% |
| EXPERINS, LLC3 | 8200 NORTH MOPAC EXPRESSWAY SUITE 350 AUSTIN, TX 78759 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $447 | $3K | 3.40% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET SUITE 380-7361 SAN FRANCISCO, CA 94115 | STARMOUNT LIFE INSURANCE COMPANY | $875 | $58 | $933 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $377 | $471 | $848 | 1.02% |
| EXPERINS, LLC3 | 8200 NORTH MOPAC EXPRESSWAY SUITE 350 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $624 | $47 | $671 | 7.14% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET, SUITE 380-736 SAN FRANCISCO, CA 94115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | $5 | $381 | 4.05% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 85 | $981K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 121 | $83K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 121 | $83K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $9K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 85 | $981K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.