| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY, SUITE 750 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $13K | $60K | $73K | 5.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY, SUITE 750 HOUSTON, TX 77027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $0 | $22K | 17.04% |
| CHRISTOPHER TOD KELLY3 | 1109 ARLINGTON STREET HOUSTON, TX 77008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.64% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 13.60% |
| ANA JOSEFINA KELLY3 | 1109 ARLINGTON STREET HOUSTON, TX 77008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | $0 | $327 | 1.01% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | $0 | $184 | 0.57% |
| ALLISON M PALACIOS3 Filed as: ALLISON MICHELLA PALACIOS | 15319 HICKORY DALE STREET CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.16% |
| JESSICA JOY KELLY3 | 122 BRIGHTON WOODS COURT WILLIS, TX 77318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.16% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 284 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 284 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 284 | $1.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $132K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $132K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $132K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 284 | $1.3M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.