| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 14.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 7.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 3.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.05% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $362 | $0 | $362 | 0.44% |
| ALLEN BAKER3 Filed as: ALLEN C. BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $145 | $0 | $145 | 0.18% |
| ALLISON WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $40 | $0 | $40 | 0.05% |
| BRENNAN BAKER3 Filed as: BRENNAN D. BAKER | 5815 WASHINGTON DRIVE HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $175K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $94K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $94K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.