| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA | 2180 NORTH LOOP WEST SUITE 140 HOUSTON, TX 77018 | PAN-AMERICAN LIFE INSURANCE COMPANY | $30K | — | $30K | 8.75% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 5080 SPECTRUM DRIVE #902 W ADDISON, TX 75001 | PAN-AMERICAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.95% |
| VLADIMIR CHEMADUROV3 | 2180 NORTH LOOP WEST SUITE 140 HOUSTON, TX 77018 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| LEAVITT GROUP3 Filed as: RISK SERVICES-LEAVITT INS AGENCY | 2180 NORTH LOOP WEST #140 HOUSTON, TX 77018 | NORTH AMERICAN CAPACITY INSURANCE | $46K | — | $46K | 17.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | $8K | $14K | $22K | 8.35% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | — | $6K | $6K | 2.26% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | — | $2K | $2K | 0.75% |
| CYPRESS ASSOC. INC3 | 11720 KATY FREEWAY SUITE 1600 HOUSTON, TX 77079 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $77K | — | $77K | 65.00% |
| CHEMADUROV VLADIMIR3 | 6425 YOUREE DRIVE SUITE 5500 SHREVEPORT, LA 71105 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $29K | — | $29K | 25.00% |
| NATIONAL INDEPENDENT INSURANCE3 | 1544 DALLAS PARKWAY SUITE 325 ADDISON, TX 75001 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 190 | $338K |
| Dental | PAN-AMERICAN LIFE INSURANCE COMPANY | 190 | $338K |
| Vision | PAN-AMERICAN LIFE INSURANCE COMPANY | 190 | $338K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 285 | $118K |
| Other(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 570 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.