| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATHY J CONE3 | 7505 MEMORIAL WOODS DRIVE HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 4.98% |
| CATHY J CONE3 | 7505 MEMORIAL WOODS DRIVE HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| CONE RETIREE HEALTHCARE GROUP, LLC | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 3.00% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 6.68% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $350 | — | $350 | 0.91% |
| CATHY J CONE3 | 7505 MEMORIAL WOODS DRIVE HOUSTON, TX 77024 | VISION SERVICE PLAN | $624 | — | $624 | 5.00% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $375 | — | $375 | 3.22% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $75 | — | $75 | 2.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $343K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $143K |
| Vision | VISION SERVICE PLAN | 142 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.