| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 4300 FARM TO MARKET 2351 ROAD FRIENDSWOOD, TX 77546 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.81% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $684 | $0 | $684 | 21.15% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP INC. | 4300 FARM TO MARKET 2351 ROAD FRIENDSWOOD, TX 77546 | AFLAC | $348 | $0 | $348 | 10.76% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $266 | $0 | $266 | 8.23% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP INC. | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | AFLAC | $140 | $0 | $140 | 4.33% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 1207 TANGLE BRAIR DRIVE SEABROOK, TX 77586 | AFLAC | $136 | $0 | $136 | 4.21% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $55 | $0 | $55 | 1.70% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FRESHBENIES | 104 | $16K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $96K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $96K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $96K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $96K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.