| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES INC. | 22322 GRAND CORNER DRIVE, SUITE 200 KATY, TX 77494 | GUARDIAN | $109K | $0 | $109K | 16.06% |
| ENTRUST AGENCIES INC3 Filed as: ENTRUST, LLC. DBA ENTRUST, INC. | 22322 GRAND CORNER DRIVE, SUITE 200 KATY, TX 77494 | PAN AMERICAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOHN F MOORE3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.57% |
| CRUSE FNCL GROUP INC3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $989 | $119 | $1K | 1.18% |
| JOHN F MOORE3 | 2 LINCOLN CENTRE # 1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $455 | $115 | $570 | 16.06% |
| CRUSE FNCL GROUP INC3 | 2 LINCOLN CENTRE # 1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $91 | $11 | $102 | 2.87% |
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 | 810 | 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) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 839 | $680K |
| Vision | GUARDIAN | 839 | $680K |
| Life insurance | GUARDIAN | 839 | $680K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 839 | $683K |
| Long-term disability | NORTHWESTERN MUTUAL | 116 | $94K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 466 | $416K |
| Other | GUARDIAN | 839 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.