| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | UNKNOWN MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.07% |
| ONS, INC.3 | 2410 WYCON DRIVE, SUITE 103 WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 11.03% |
| ETHAN J HRIBEK3 Filed as: ETHAN J. HRIBEK | 501 ROHDE ROAD ROUND TOP, TX 78954 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 1.84% |
| JAMES DOWNES3 | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.98% |
| JEANNE L. RIEGER3 | 1409 FOSSIL RIDGE TRAIL WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.86% |
| KARRIE D. SPIGENER3 | 5005 SOUTHWINDS DRIVE LORENA, TX 76655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.86% |
| MARY L WILLIAMS3 Filed as: MARY L. WILLIAMS | 1102 STEVENS STREET BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.44% |
| MJ INSURANCE3 Filed as: MICHAEL G. PYLE AND VARIOUS AGENTS | 2410 WYCON DRIVE, SUITE 103 WACO, TX 76712 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | $0 | -$1 | -0.01% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 151 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 151 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 151 | $1.3M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 140 | $89K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 140 | $89K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 140 | $89K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 151 | $1.3M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 190 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.