| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W. MILL STREET NEW BRAUNFELS, TX 78130 | SYMETRA | $73K | — | $73K | 10.00% |
| TAGCO ASSOCIATES LP3 | PO BOX 4133 BERGHEIM, TX 78004 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.00% |
| KATHY SUE ENOCHS3 | 12770 MERIT DRIVE SUITE 200 PARK CENTRAL DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | — | $2K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS LLC | PO BOX 749075 DALLAS, TX 753749075 | TOKIO MARINE HCC | — | $899 | $899 | 3.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMAGINE360 ADMINISTRATORS EIN 27-1535451 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $68K |
| MATRIX TRUST COMPANY N/A | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 717 17TH ST, SUITE 1300 DENVER, CO 80202 | $58K |
| BAYBRIDGE ADMINISTRATORS EIN 76-6187819 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SYMETRA | 198 | $728K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 112 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.