| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORIEANN JACKSON3 | 2311 TEXAS DRIVE SUITE100 IRVING, TX 75062 | ALL SAVERS INSURANCE COMPANY | $14K | $0 | $14K | 9.07% |
| ITO LAH INC3 | 2311 TEXAS DRIVE SUITE #100 IRVING, TX 75062 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| ITO LAH INC3 | 2311 TEXAS DR STE 100 IRVING, TX 75062 | COMPANION LIFE INSURANCE | $5K | $0 | $5K | 10.83% |
| ITO LAH INC3 | 2311 TX DR SUITE 100 IRVING, TX 75062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 0.49% |
| CLARIBEL L LOZA3 | 131 E. EXCHANGE #128 FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.26% |
| MARY L WILLIAMS3 | 1102 STEVENS ST. BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.19% |
| YURIDIANA MEJIA3 | 4305 HAMPSHIRE BLVD FORT WORTH, TX 76103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.17% |
| ANDREW NESS3 Filed as: ANDREW L NESS | 267 PRIVATE RD 2447 DECATUR, TX 76234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.17% |
| CHYNA K VINCENT3 | 1671 TAYLOR RD HOWE, TX 75459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.17% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.08% |
| ITO LAH INC3 Filed as: ITO LAH INC. | 2311 TEXAS DRIVE SUITE #100 IRVING, TX 75062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $973 | $0 | $973 | 5.92% |
| DOMINIC RODRIGUEZ3 | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $469 | $0 | $469 | 2.85% |
| TAILORED WORKSITE SERVICES3 | 1802 LAKE MEADOWS CT HOUSTON, TX 77077 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $469 | $0 | $469 | 2.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $22K |
| ITO LAH INC. EIN 83-0360119 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| AMERICAN HEALTH DATE INSTITUTE EIN 35-2048379 TPA | Claims processing Service code 12 | — | $4K |
| MULTIPLAN EIN 35-2048379 TPA | Claims processing Service code 12 | — | $2K |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 69 | $63K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 69 | $63K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE | 172 | $92K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $41K |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $41K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 27 | $160K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE | 172 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.