| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | — | $130K | 5.24% |
| WILLIAM H VAN PELT IV3 Filed as: WILLIAM HENRY VAN PELT III | 1218 WEBSTER ST HOUSTON, TX 770028841 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 3.41% |
| CAPITAL FINANCIAL GROUP INC3 | 1218 WEBSTER STREET HOUSTON, TX 77002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 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 1218 WEBSTER ST HOUSTON, TX 77002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 5.22% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER ARNET | PO BOX 1240 WATERTOWN, MN 55388 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 1.49% |
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 | 470 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $2.5M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 470 | $162K |
| Short-term disability(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 470 | $162K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $2.5M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 470 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
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.