| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | BLUECROSS BLUESHIELD OF TEXAS | $194K | $9 | $194K | 3.81% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF TEXAS | $48K | $312 | $49K | 0.96% |
| EVERLY HEALTH3 | 823 CONGRESS AVENUE, SUITE 1200 AUSTIN, TX 78701 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $1 | $1 | 0.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $10K | $37K | 8.17% |
| BENERATION LLC5 | 2124 RACE STREET, GROUND FLOOR PHILADELPHIA, PA 19103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.60% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL INSURANCE COMPANY | $41K | $0 | $41K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 780 | $5.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 774 | $406K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 377 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $452K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $452K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $452K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 780 | $5.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.