| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $191K | $0 | $191K | 11.96% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SURARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.15% |
| ALLEN BAKER3 Filed as: ALLEN C. BAKER | 12214 COBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.12% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.10% |
| ALLISON WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77479 | TRUSTMARK INSURANCE COMPANY | $142 | $0 | $142 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 610 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $149K | $8K | $157K | 15.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | $0 | $3K | 7.73% |
| NATIONAL BENEFIT PLANS, LTD.3 | 11550 INTERSTATE 10 WEST, SUITE 293 SAN ANTONIO, TX 78230 | LEGAL ACCESS PLANS, LLC | $6K | $0 | $6K | 35.00% |
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 | 4,138 | 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) | 4,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 155 | $834K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 155 | $702K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 155 | $704K |
| Life insurance(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 4,138 | $2.6M |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,138 | $994K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,138 | $994K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 155 | $834K |
| Other(4 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 4,138 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.