| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGHTER INSURANCE LLC3 Filed as: RIGHTER INSURANCE LLC NAE | PO BOX 117 CELINA, TX 75009 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.44% |
| RIGHTER INSURANCE LLC3 | PO BOX 117 CELINA, TX 75009 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.14% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC | 1804 JUAN TABO BLVD NE SUITE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $747 | $0 | $747 | 5.07% |
| RIGHTER INSURANCE LLC3 | PO BOX 117 CELINA, TX 75009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.81% |
| BENEFITSOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE ALBUQUERQUE, NM 87112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $737 | $0 | $737 | 5.40% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 117 | $58K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 117 | $14K |
| Other | COMPANION LIFE INSURANCE COMPANY | 199 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.