| 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 | $181K | — | $181K | 3.65% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | RELIASTAR LIFE INSURANCE COMPANY | $111K | — | $111K | 18.34% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | RELIASTAR LIFE INSURANCE COMPANY | $86K | $19K | $105K | 17.32% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 2.24% |
| THE PLEXUS GROUPE LLC3 | 21085 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.71% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BLVD STE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.44% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS | 306 W WALL ST SUITE 811 MIDLAND, TX 79701 | PRINCIPAL LIFE INSURANCE COMPANY | -$3K | — | -$3K | -1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL EIN 52-1222820 ADMINISTRATO | Claims processing Service code 12 | — | $3K |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 925 | $4.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 983 | $273K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 983 | $273K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 599 | $607K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 599 | $607K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 599 | $607K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 925 | $852K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 599 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.