| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVE. FL 15 SEATTLE, WA 98101 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | 5.28% |
| INSURORS OF TEXAS GENERAL AGENCY3 | PO BOX 2683 WACO, TX 76702 | UNITED HEALTHCARE INSURANCE COMPANY | -$39K | $39K | $18 | 0.00% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | PO BOX 670329 11811 NORTH FRWY. STE. 900 HOUSTON, TX 77060 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $326 | $3K | 3.10% |
| KELLN BETH SMALL3 | 515 SAM HOUSTON PKWY. E FL 5 HOUSTON, TX 77060 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $549 | $549 | 0.51% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 20.45% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 6.56% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $656 | $0 | $656 | 5.01% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 20.53% |
| INSURORS OF TEXAS GENERAL AGENCY3 | PO BOX 2683 WACO, TX 76702 | ZURICH AMERICAN INSURANCE COMPANY | $472 | $0 | $472 | 15.01% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $744K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 144 | $107K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 144 | $107K |
| Life insurance | TEXAS LIFE INSURANCE COMPANY | 124 | $45K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 53 | $31K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 106 | $13K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $744K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 97 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.