| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEVCAP MANAGEMENT LLC3 | 120 W VIRGINIA SUITE 200 MCKINNEY, TX 75069 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $22K | — | $22K | 4.32% |
| MONTGOMERY & GRAHAM INC3 | 412 JEFFERSON PKWY LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $101 | $6K | 1.24% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA SUITE 200 MCKINNEY, TX 75069 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.95% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST SUITE 200 MCKINNEY, TX 75069 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 6.13% |
| MONTGOMERY & GRAHAM INC3 | 412 JEFFERSON PKWAY SUITE 100 LAKE OSWEGO, OR 97035 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.40% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 143 | $513K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $100K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $100K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.