| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 633 E FERNHURST DR UNIT 1003 1004 KATY, TX 77450 | AETNA LIFE INSURANCE COMPANY | $158K | — | $158K | 12.92% |
| PCF INSURANCE SERVICES OF THE WEST3 | 633 E FERNHURST DR SUITE 1003 1004 KATY, TX 77450 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 633 E FERNHURST DR SUITE 1003 1004 KATY, TX 77450 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE SERVICES INC. | 633 E FERNHURST DR SUITE 1004 KATY, TX 77450 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PCF INSURANCE SERVICES OF THE WEST3 | 633 E FERNHURST DR UNIT 1003 1004 KATY, TX 77450 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $470 | — | $470 | 11.50% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE SERVICES INC. | 440 COBIA DRIVE UNIT 1501 KATY, TX 77494 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $143 | — | $143 | 3.50% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 300 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $72K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 300 | $1.2M |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 157 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.