| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77546 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $6K | $20K | 16.12% |
| MICHEAL W HART3 Filed as: MICHEAL W. HART | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $510 | $60 | $570 | 16.20% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP, INC. | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77546 | AFLAC | $247 | $0 | $247 | 7.02% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $134 | $0 | $134 | 3.81% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $63 | $14 | $77 | 2.19% |
| NOEL EUGENE BEENE3 | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $69 | $0 | $69 | 1.96% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 1207 TANGLE BRIAR DRIVE SEABROOK, TX 77586 | AFLAC | $52 | $14 | $66 | 1.88% |
| INSUREPOINTE OF TEXAS INC3 Filed as: INSUREPOINTE OF TEXAS, INC. | 2909 HILLCROFT STREET, SUITE 600 HOUSTON, TX 77057 | AFLAC | $50 | $0 | $50 | 1.42% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP | 4300 FM 2351 FRIENDSWOOD, TX 77546 | NEW BENEFITS | $368 | $0 | $368 | 11.78% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $126K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $126K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $126K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $126K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $126K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.