| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIALIFE PARTNERS PC3 Filed as: RAIALIFE PARTNERS, PC | 510 BERING DR STE 490 HOUSTON, TX 770571471 | ALL SAVERS INSURANCE COMPANY | $39K | — | $39K | 8.76% |
| RAIA LIFE PARTNERS3 | 510 BERING DR #490 HOUSTON, TX 77057 | ALL SAVERS INSURANCE COMPANY | $150 | — | $150 | 0.03% |
| RAIALIFE PARTNERS PC3 | 510 BERING DR STE 490 HOUSTON, TX 77057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 12.42% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DR HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| 4ZLD BRANDA, SHERRY TATUM3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 13.62% |
| 4182 RAIA, NICHOLAS JOSEPH3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 12.02% |
| 3TYM GRASS, MICHAEL PAUL3 | — | ASSURITY LIFE INSURANCE COMPANY | $226 | — | $226 | 0.74% |
| 5JDU, WOODFOREST FINANCIAL SERVICES3 | — | ASSURITY LIFE INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| NWB HOME OFFICE3 | 400 FIELD DRIVE LAKE FOREST, IL 60045 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 36.00% |
| NICHOLAS J RAIA3 Filed as: NICHOLAS RAIA | 510 BERING DRIVE STE 490 HOUSTON, TX 77057 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 27.00% |
| SHERRY BRANDA3 | 29623 SKYMAN RANCH RD HEMPSTEAD, TX 77445 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 27.00% |
| SIMPLICITY LIFE INC.3 Filed as: SIMPLICITY LIFE INC | 86 SUMMIT AVE STE 303 SUMMIT, NJ 07901 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| RAIA NICHOLAS J3 | P O BOX 27701 - 443 HOUSTON, TX 77227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 3.09% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS INC | 1330 LAKE ROBBINS RD #150 6XFM0 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 1.81% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS INC | 1330 LAKE ROBBINS RD #150 3YEF0 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 1.55% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS INC | 1330 LAKE ROBBINS RD #150 6LB90 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.11% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $140K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $140K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $140K |
| Other(5 contracts, 5 carriers) | ALL SAVERS INSURANCE COMPANY | 105 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.