| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ITO LAH INC3 | 2311 TEXAS DRIVE SUITE 100 IRVING, TX 75062 | HUMANA INSURANCE COMPANY | $22K | $0 | $22K | 4.79% |
| ITO LAH INC3 | 2311 TEXAS DRIVE SUITE 100 IRVING, TX 75062 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 0.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $763 | $0 | $763 | 0.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | -$2K | $0 | -$2K | -0.45% |
| ITO LAH INC3 | 2311 TX DR SUITE 100 IRVING, TX 75062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.27% |
| ANDREW NESS3 Filed as: ANDREW L NESS | 267 PRIVATE RD 2447 DECATUR, TX 76234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.31% |
| CLARIBEL L LOZA3 | 131 E. EXCHANGE #128 FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.32% |
| JANIE C REYES3 | 1616 BELMONT AVENUE FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $727 | $0 | $727 | 2.22% |
| MARY L WILLIAMS3 | 105 PR 3407 BRIDGEPORT, TX 76246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | $0 | $493 | 1.51% |
| MARY L WILLIAMS3 | 1102 STEVENS ST. BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | $0 | $393 | 1.20% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | $0 | $320 | 0.98% |
| ITO LAH INC3 | 2311 TEXAS DRIVE SUITE #100 IRVING, TX 75062 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 4.50% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 72 | $462K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 85 | $492K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 85 | $492K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 72 | $494K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 65 | $33K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 65 | $33K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 65 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.