| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | HUMANA HEALTH PLAN OF TEXAS, INC. | $34K | — | $34K | 4.98% |
| PENKO BRANDON3 Filed as: PENKO, BRANDON | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 42.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, INC | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| PENKO BRANDON3 Filed as: PENKO, BRANDON | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 42.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, INC | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 18.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| PENKO BRANDON3 Filed as: PENKO, BRANDON | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 42.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, INC | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 18.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $922 | — | $922 | 5.00% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INSURANCE AGENCY INC. | PO BOX 2507 CONROE, TX 77305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $661 | — | $661 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $176 | $176 | 1.33% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INSURANCE AGENCY INC. | PO BOX 2507 CONROE, TX 77305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $641 | — | $641 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $135 | $135 | 1.05% |
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.85% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INSURANCE AGENCY INC. | PO BOX 2507 CONROE, TX 77305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $890 | — | $890 | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $297 | — | $297 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $74 | $74 | 1.25% |
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 | 284 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 66 | $676K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $67K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $67K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $6K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.