| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE | — | BLUECROSS BLUESHIELD OF TEXAS | $328K | $158 | $329K | 2.32% |
| ENDO1 PARTNERS, LLC DBA SPECIALTY3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $18 | $18 | 0.00% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE | — | KAISER FOUNDATION HEALTH PLAN, INC. | $45K | $0 | $45K | 4.55% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $21K | $7K | $28K | 13.08% |
| 1925 FINANCIAL, INC.3 Filed as: 1925 FINANCIAL, INC | — | UNITED OF OMAHA LIFE INSURANCE COMP | $28K | $7K | $35K | 18.98% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $19K | $3K | $23K | 17.51% |
| DUMDUM FINANCIAL & INSURANCE3 | — | VISION SERVICE PLAN | $0 | $7K | $7K | 6.42% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $9K | $3K | $12K | 19.71% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $11K | $2K | $13K | 23.77% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $6K | $1K | $7K | 17.92% |
| 1925 FINANCIAL, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMP | $2K | $533 | $2K | 13.10% |
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 | 1,908 | 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) | 1,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,808 | $15.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,808 | $14.2M |
| Vision | VISION SERVICE PLAN | 892 | $113K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMP | 1,842 | $146K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMP | 261 | $186K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMP | 295 | $215K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMP | 1,842 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,842 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.