| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | THE HARDFORD LIFE AND ACCIDENT | $13K | — | $13K | 5.00% |
| CATHY J CONE3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 6.30% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | THE HARDFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.00% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | THE HARDFORD LIFE AND ACCIDENT | $765 | — | $765 | 8.19% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC. | 10 TOWER LANE SUITE 100 AVON, CT 06001 | THE HARDFORD LIFE AND ACCIDENT | $561 | — | $561 | 6.00% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | THE HARDFORD LIFE AND ACCIDENT | $374 | — | $374 | 4.00% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC. | 10 TOWER LANE SUITE 100 AVON, CT 06001 | THE HARDFORD LIFE AND ACCIDENT | $173 | — | $173 | 5.96% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | THE HARDFORD LIFE AND ACCIDENT | $161 | — | $161 | 5.54% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | THE HARDFORD LIFE AND ACCIDENT | $117 | — | $117 | 4.03% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 | 7941 KATY FREEWAY, STE 410 HOUSTON, TX 77024 | THE HARDFORD LIFE AND ACCIDENT | $273 | — | $273 | 13.04% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC. | 10 TOWER LANE SUITE 100 AVON, CT 06001 | THE HARDFORD LIFE AND ACCIDENT | $126 | — | $126 | 6.02% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 135 | $216K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 135 | $216K |
| Other(5 contracts) | THE HARDFORD LIFE AND ACCIDENT | 112 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.