| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $0 | $46K | $46K | 3.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $0 | $23K | $23K | 3.00% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: MP INNOVATIVE SOLUTIONS, INC. | 2410 WYCON DRIVE, SUITE 103 WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 28.60% |
| ETHAN J HRIBEK3 | 501 ROHDE ROAD ROUND TOP, TX 78954 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.33% |
| JAMES DOWNES3 | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.63% |
| MICHAEL C WALKER3 Filed as: MICHAEL G PYLE | 2410 WYCON DRIVE, SUITE 103 WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.38% |
| JEANNE L. RIEGER3 Filed as: JEANNE L RIEGER | 1409 FOSSIL RIDGE TRAIL WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.10% |
| KARRIE D. SPIGENER3 Filed as: KARRIE D SPIGENER | 5005 SOUTHWINDS DRIVE LORENA, TX 76655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.10% |
| MARY L WILLIAMS3 Filed as: MARY WILLIAMS AND MISC. AGENTS | 1102 STEVENS STREET BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | UNKNOWN WACO, TX 76710 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.88% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 176 | $2.3M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 176 | $2.3M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 176 | $2.3M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $23K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 176 | $2.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 148 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.