| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | $337 | $38K | 4.79% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 46.38% |
| ROY F. ANDING JR.3 Filed as: ROY F. ANDING, JR. | 866 WESTSHORE COURT LEAGUE CITY, TX 77573 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 18.41% |
| INSUREONE CORPORATE BENEFITS, INC.3 Filed as: INSUREONE CORPORATE BENEFITS | 1910 WESTMEAD, SUITE 4508 HOUSTON, TX 77077 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.47% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.19% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $792K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $792K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $792K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $835K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $18K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $792K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $835K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.