| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY INC | 755 NEW YORK AVENUE, SUITE 220 NEW YORK, NY 11743 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.20% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DRIVE, SUITE 103 WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 16.60% |
| JAMES DOWNES3 | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $932 | $0 | $932 | 4.21% |
| JEANNE L. RIEGER3 | 1409 FOSSIL RIDGE TRAIL WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.21% |
| KARRIE D. SPIGENER3 | 5005 SOUTHWIND DRIVE LORENA, TX 76655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.21% |
| MARY L WILLIAMS3 Filed as: MARY L. WILLIAMS | 1102 STEVENS STREET BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.15% |
| MARCO JOE KLIMEK3 Filed as: MARCO J. KLIMEK | 1501 LBJ FREEWAY, SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.12% |
| MJ INSURANCE3 Filed as: LANA M. KLIMEK AND VARIOUS AGENTS | 1105 JERICHO COURT KELLER, TX 76262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75149 | TOKIO MARINE HCC | $2K | $719 | $3K | 13.58% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 460 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
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.