| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 | UNKNOWN HOUSTON, TX 77049 | BLUECROSS BLUESHIELD OF TEXAS | $70K | $0 | $70K | 4.99% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 FRIENDSWOOD, TX 77062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 14.63% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 FRIENDSWOOD, TX 77062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.81% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.19% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | TRANSAMERICA | $139 | $0 | $139 | 23.28% |
| ROY F. ANDING JR.3 | 866 WESTSHORE COURT LEAGUE CITY, TX 77573 | TRANSAMERICA | $47 | $0 | $47 | 7.87% |
| GEORGE W EVANS & ASSOCIATES INC3 Filed as: GEORGE W. EVANS & ASSOCIATES, INC. | 5904 DOLORES HOUSTON, TX 77057 | TRANSAMERICA | $10 | $0 | $10 | 1.68% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 249 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $86K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $45K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 249 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.