| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | $143K | $173K | 2.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 12.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 13.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 2.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | VISION SERVICE PLAN | $347 | — | $347 | 0.65% |
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 | 1,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,319 | $6.5M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,319 | $6.7M |
| Vision | VISION SERVICE PLAN | 578 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,157 | $196K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,319 | $6.5M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,235 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.