| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $155K | — | $155K | 20.18% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 1.14% |
| ALLEN BAKER3 Filed as: ALLEN C. BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 0.67% |
| BRYAN INGLIS3 | 6122 GARDFEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 0.41% |
| ALLISON WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77479 | TRUSTMARK INSURANCE COMPANY | $290 | — | $290 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 6100 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $75K | $1K | $76K | 15.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD DALLAS, TX 75254 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | — | $3K | 7.43% |
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 | 1,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 536 | $1.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 536 | $1.8M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,656 | $1.8M |
| Life insurance(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 2,639 | $1.3M |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,639 | $497K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,639 | $497K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 536 | $1.8M |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 2,639 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,656 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.