| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST HOUSTON, TX 77002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $113K | — | $113K | 10.10% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 1.02% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST HOUSTON, TX 77002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $15K | 8.53% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.53% |
| ALEXANDER NELSON ARNET3 Filed as: ALEXANDER N ARNETT | PO BOX 1240 WATERTOWN, MN 55388 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST HOUSTON, TX 77002 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 15.31% |
| ALEXANDER NELSON ARNET3 Filed as: ALEXANDER N ARNETT | 1851 LAKE DRIVE W #350 CHANHASSEN, MN 55317 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 5.10% |
| INSGROUP INC3 | SUITE 2400 5051 SAN FELIPE ST. HOUSTON, TX 77056 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST HOUSTON, TX 77002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $766 | $2K | 8.62% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 8.76% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY RD. PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.80% |
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 | 417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.1M |
| Dental(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $197K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 526 | $118K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 430 | $64K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 526 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.