| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | — | BLUECROSS BLUESHIELD OF TEXAS | $55K | — | $55K | 4.65% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.11% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $27 | $16K | 10.02% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 5151 BELTLINE ROAD SUITE 200 DALLAS, TX 75254 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 19.50% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 11.22% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $668 | — | $668 | 1.89% |
| BRYAN INGLIS3 | 6122 GARENS LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $403 | — | $403 | 1.14% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $134 | — | $134 | 0.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 5151 BELTLINE ROAD SUITE 200 DALLAL, TX 75254 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 29.86% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 13.45% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $929 | — | $929 | 2.87% |
| BRYAN INGLIS3 | 6122 GARDENS LAKES LN SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $443 | — | $443 | 1.37% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE- C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $106 | — | $106 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 5151 BELTLINE ROAD SUITE 200 DALLAS, TX 75254 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 20.54% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 11.20% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $578 | — | $578 | 1.97% |
| BRYAN INGLIS3 | 6122 GARDENS LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $344 | — | $344 | 1.17% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE- C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $111 | — | $111 | 0.38% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $160K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 203 | $61K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 203 | $61K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 203 | $61K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 363 | $1.2M |
| Other(4 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 203 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.
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.