| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER STREET HOUSTON, TX 770028841 | HEALTH CARE SERVICE CORPORATION | $215K | $11 | $215K | 7.78% |
| ALLEGIANCE BANK3 | 8727 WEST SAM HOUSTON PKWY HOUSTON, TX 770405167 | HEALTH CARE SERVICE CORPORATION | — | $4 | $4 | 0.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 9.88% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 20.00% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER STREET HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | — | $2K | 10.38% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | LIFE INSURANCE OF NORTH AMERICA | $150 | — | $150 | 20.05% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 730 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $345K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $329K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $141K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $73K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 730 | $2.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.