| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $10K | $55K | $65K | 5.59% |
| UNKNOWN3 | UNKNOWN HOUSTON, TX 77058 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | $0 | $19K | 17.05% |
| CHRISTOPHER T KELLY3 Filed as: CHRISTOPHER T. KELLY | 2040 NORTH LOOP WEST, SUITE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 11.46% |
| 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 | 9.50% |
| ANA J KELLY3 Filed as: ANA J. KELLY | 2040 NORTH LOOP WEST, SUITE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.97% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 4351 JAGER DRIVE NE RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | $0 | $448 | 1.00% |
| JESSICA J. KELLY3 | 52 OLDSTREAM COURT SPRING, TX 77381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.17% |
| ALLISON M PALACIOS3 Filed as: ALLISON M. PALACIOS | 15319 HICKORY DALE STREET CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.17% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 258 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 258 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 258 | $1.2M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $111K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $111K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $111K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 258 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.