| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST. HOUSTON, TX 77002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $125K | $1K | $127K | 12.19% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST. HOUSTON, TX 77002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $1K | $16K | 10.80% |
| MID-CONTINENT COMPANIES Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST. HOUSTON, TX 77002 | THE HARTFORD | $15K | — | $15K | 16.52% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER ARNET | 1851 LAKE DRIVE WEST CHANHASSEN, MN 55317 | THE HARTFORD | — | $5K | $5K | 5.51% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST. HOUSTON, TX 77002 | PRUDENTIAL INSURNACE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 1.55% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 11.20% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.24% |
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 | 389 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $146K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.0M |
| Life insurance | THE HARTFORD | 389 | $89K |
| Long-term disability | PRUDENTIAL INSURNACE COMPANY OF AMERICA | 384 | $55K |
| Other(3 contracts, 3 carriers) | THE HARTFORD | 389 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.