| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFIT CORP3 Filed as: BIG BENEFIT CORPORATION | 12770 MERIT DRIVE, SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $9K | $0 | $9K | 3.98% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | BLUECROSS BLUESHIELD OF TEXAS | $674 | $0 | $674 | 0.29% |
| MARC PIERONI3 | 12770 MERIT DRIVE DALLAS, TX 75251 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $4K | $0 | $4K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN., INC. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $0 | $3K | $3K | 1.71% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $612 | $0 | $612 | 0.42% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE CORPORATION | $15K | $0 | $15K | 15.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 1.21% |
| BIG BENEFIT CORP3 Filed as: BIG BENEFIT CORPORATION | 12770 MERIT DRIVE, SUITE 100 DALLAS, TX 75251 | EQUITABLE | $11K | $0 | $11K | 13.18% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | EQUITABLE | $0 | $3K | $3K | 4.01% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | EQUITABLE | $890 | $0 | $890 | 1.06% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 29 | $380K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 303 | $98K |
| Vision | EQUITABLE | 125 | $84K |
| Life insurance | EQUITABLE | 125 | $84K |
| Short-term disability | EQUITABLE | 125 | $84K |
| Long-term disability | EQUITABLE | 125 | $84K |
| Other | EQUITABLE | 125 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.