| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 340 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $119K | $119K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WORTHAM, MARSH MCLENNAN AGCY | 2727 ALLEN PKWY HOUSTON, TX 77019 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $40K | $40K | 1.21% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $52K | — | $52K | 10.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | A DIVISION OF MARSH USA PO BOX 301598 DALLAS, TX 75303 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.78% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $3.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $475K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $475K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $475K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $475K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.