| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN PELT3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 2.93% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 2.31% |
| CAPITAL FINANCIAL GROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 20.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER ARNET | PO BOX 1240 WATERTOWN, MN 55388 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.00% |
| WILLIAM H VAN PELT IV3 Filed as: WILLIAM VANPELT IV | CAPITAL FINANCIAL GROUP, INC 1812 WEBSTER ST HOUSTON, TX 77002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 3.19% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER ARNET | PO BOX 1240 WATERTOWN, MN 55388 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.87% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $2.5M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 406 | $153K |
| Short-term disability(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 406 | $154K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $2.5M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 406 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.