| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXCESS FINANCIAL GROUP3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $7K | $2K | $9K | 13.60% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | CIGNA GROUP INSURANCE | $4K | $962 | $5K | 18.52% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | CIGNA GROUP INSURANCE | $3K | $949 | $4K | 19.35% |
| CONVERGINS HEALTH LLC3 Filed as: CONVERGINS HEALTH | 16301 QUORUM DR 220B ADDISON, TX 75001 | CIGNA GROUP INSURANCE | — | $10K | $10K | 196.85% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | CIGNA GROUP INSURANCE | — | $85 | $85 | 1.67% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | CIGNA GROUP INSURANCE | $754 | $310 | $1K | 21.16% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | CIGNA GROUP INSURANCE | — | $29 | $29 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $30K |
| VISION SERVICE PLAN EIN 36-3560825 CONTRACT ADMIN | Claims processing Service code 12 | — | $9K |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 946 | $274K |
| Vision | VISION SERVICE PLAN | 340 | $42K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 524 | $32K |
| Long-term disability | CIGNA GROUP INSURANCE | 113 | $22K |
| Stop-loss / reinsurancereinsurance | HIIG | 381 | $347K |
| Other(3 contracts, 2 carriers) | TOKIO MARINE HCC | 524 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.