| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTY INSURANCE D/B/A CADEN | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNE | 10575 KATY FREEWAY #150 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| SECURA CONSULTANTS LLC3 Filed as: SECURA CONSULTANTS | 6465 WAYZATA BOULEVARD SUITE 920 MINNEAPOLIS, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.27% |
| BXS INSURANCE INC3 Filed as: TOWN & COUNTY INSURANCE DBA CADENCE | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.01% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $497K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $497K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $497K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $520K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.