| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | AETNA LIFE INSURANCE COMPANY | $4K | $24K | $28K | 2.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 16820 FRANCES STREET OMAHA, NE 68130 | AETNA LIFE INSURANCE COMPANY | $2K | $13K | $16K | 1.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $2K | $13K | $15K | 1.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY HOUSTON, TX 77027 | ONE AMERICA | $12K | $0 | $12K | 16.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 15.12% |
| CHRISTOPHER TOD KELLY3 | 1704 ASHLAND STREET HOUSTON, TX 77008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.24% |
| ANA JOSEFINA KELLY3 | 1704 ASHLAND STREET HOUSTON, TX 77008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.45% |
| JESSICA JOY KELLY3 | 122 BRIGHTON WOODS COURT WILLIS, TX 77318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.40% |
| ALLISON M PALACIOS3 Filed as: ALLISON MICHELLA PALACIOS | 15319 HICKORY DALE STREET CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.40% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 204 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 204 | $1.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 204 | $1.0M |
| Life insurance | ONE AMERICA | 143 | $70K |
| Short-term disability | ONE AMERICA | 143 | $70K |
| Long-term disability | ONE AMERICA | 143 | $70K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 204 | $1.0M |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 143 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.