| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| I.R.B. VENTURES LP3 Filed as: I R B VENTURES, LP | 25282 NORTHWEST FREEWAY CYPRESS, TX 77429 | AETNA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.75% |
| IRB VENTURES LP3 Filed as: IRB VENTURES, LP | 25282 NORTHWEST FREEWAY SUITE 170 CYPRESS, TX 77429 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.03% |
| WEALTH DESIGN GROUP, LLC3 | UNKNOWN HOUSTON, TX 77041 | THE GUARDIAN LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.08% |
| I.R.B. VENTURES LP3 Filed as: I R B VENTURES, LP | 25282 NORTHWEST FREEWAY, SUITE 170 CYPRESS, TX 77429 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $38 | $5K | 10.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 175 | $737K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 92 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 92 | $72K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $54K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $54K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $54K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 175 | $737K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.