| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $654 | $654 | 2.40% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $449 | $449 | 1.99% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $321 | $321 | 1.99% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | TELADOC | $1K | — | $1K | 13.84% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $93 | $1K | 16.38% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16 | $16 | 1.62% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $130K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $130K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $16K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 184 | $231K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.