| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY CAPTIVE GROUP, LLC3 Filed as: TRINITY CAPTIVE GROUP LLC | 1518 LEGACY DRIVE, SUITE 240 FRISCO, TX 75034 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.37% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | PRINCIPAL LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.51% |
| RAND G SIMKINS3 Filed as: RAND SIMKINS | 6508 PINE HILLS LANE DENTON, TX 76210 | AFLAC | $680 | $0 | $680 | 2.75% |
| MJ INSURANCE3 Filed as: JOSHUA DEVRIES AND VARIOUS AGENTS | 110 TREALOUT DRIVE, SUITE 202 FENTON, MI 48430 | AFLAC | $512 | $0 | $512 | 2.07% |
| CARLES ANTONELL GRIERA3 Filed as: CARLES GRIERA | 3703 SISTINE MEWS DALLAS, TX 75236 | AFLAC | $184 | $0 | $184 | 0.74% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE STREET BRIGHTON, MI 48116 | AFLAC | $159 | $0 | $159 | 0.64% |
| WENDY LYNN WITT3 Filed as: WENDY WITT | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $108 | $0 | $108 | 0.44% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $91 | $0 | $91 | 0.37% |
| RICHARD RUPERT JR3 Filed as: RICHARD RUPERT | 11393 HARBOR COVE FENTON, MI 48430 | AFLAC | $87 | $0 | $87 | 0.35% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $42K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $42K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $67K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $42K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.