| 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 | $0 | $49K | $49K | 5.24% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | PO BOX 670329 11811 NORTH FRWY., STE. 900 HOUSTON, TX 77060 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $4K | $8K | 6.78% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 19.73% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 6.14% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $577 | $0 | $577 | 4.99% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 NORTH FREEWAY SUITE 900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $498 | $0 | $498 | 11.89% |
| INSURORS OF TEXAS GENERAL AGENCY3 | PO BOX 2683 WACO, TX 76702 | ZURICH AMERICAN INSURANCE COMPANY | $443 | $0 | $443 | 15.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 228 | $941K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 529 | $116K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 529 | $116K |
| Life insurance | TEXAS LIFE INSURANCE COMPANY | 125 | $45K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 54 | $28K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 99 | $12K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 228 | $941K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 91 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.