| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $10K | $0 | $10K | 1.45% |
| INSURICA, INC.3 Filed as: INSURICA INSURANCE SERVICES, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $10K | $0 | $10K | 1.40% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $4K | $600 | $5K | 0.69% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 2400 N GLENVILLE DRIVE STE B125 RICHARDSON, TX 75082 | BLUECROSS BLUESHIELD OF TEXAS | $8K | $0 | $8K | 13.11% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO STE 550 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $740 | $0 | $740 | 1.17% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 1060 W. FRANKFORD RD STE 203 CARROLLTON, TX 75007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.41% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO STE 550 SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $660 | $0 | $660 | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $179 | $179 | 0.97% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 1060 W. FRANKFORD RD STE 203 CARROLLTON, TX 75007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 11.35% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO STE 550 SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | $0 | $324 | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $89 | $89 | 1.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO STE 550 SAN ANTONIO, TX 78216 | LIFE INSUARNCE COMPANY OF NORTH AMERICA | $546 | $0 | $546 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSUARNCE COMPANY OF NORTH AMERICA | $0 | $415 | $415 | 11.41% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO STE 550 SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | $0 | $53 | 14.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $24 | $24 | 6.72% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 207 | $692K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 207 | $692K |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 180 | $63K |
| Life insurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $18K |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.