| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | 1250 WOODBRANCH PARK DR STE 300 HOUSTON, TX 77079 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $20K | — | $20K | 3.42% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP INC. | 450 SOUTH GRAVERS RD STE 200 PLYMOUTH MEETING, PA 19462 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $13K | — | $13K | 2.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 840 GESSNER ROAD STE 600 THREE MEMO HOUSTON, TX 77024 | DELTA DENTAL OF PENNSYLVANIA | $410 | — | $410 | 1.02% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 450 SOUTH GRAVERS RD STE 200 PLYMOUTH MEETING, PA 19462 | DELTA DENTAL OF PENNSYLVANIA | $197 | — | $197 | 0.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 840 GESSNER ROAD STE 600 THREE MEMO HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $660 | $3K | 7.61% |
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | 840 GESSNER ROAD STE 600 THREE MEMO HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | 13926 MAPLE CLIFF LANE CYPRESS, TX 77429 | NATIONAL GUARDIAN LIFE INS CO | $427 | — | $427 | 6.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSLYVANIA, LP | 125 E. ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | NATIONAL GUARDIAN LIFE INS CO | $199 | — | $199 | 3.18% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 104 | $585K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 221 | $40K |
| Vision | NATIONAL GUARDIAN LIFE INS CO | 204 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.