| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 17.02% |
| MJ INSURANCE3 Filed as: ALLEN BAKER AND VARIOUS AGENTS | 6200 SAVORY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.49% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.57% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIRCLE HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.10% |
| JUSTIN LEBLANC3 | 209 BELLAGIO DRIVE LAKEWAY, TX 78734 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.09% |
| CONSTANCIO RUIZ3 | 18242 KAYLA LANE HARLINGEN, TX 78552 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.71% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL CHANDLER | 3314 VALLEY CREEK SAN ANTONIO, TX 78261 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET 6TH FLOOR NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 9.69% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | $0 | $562 | 0.46% |
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 | 693 | 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) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 933 | $257K |
| Vision | EYE MED | 770 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $123K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 693 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.