| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 4.05% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 16945 NORTHCHASE DRIVE STE 1800 HOUSTON, TX 770602149 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $3K | $6K | 5.65% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 N FREEWAY #900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 16.67% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 N FREEWAY #900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 5.81% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 N FREEWAY #900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $683 | $0 | $683 | 5.00% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 11811 N FREEWAY #900 HOUSTON, TX 77060 | AMERICAN FIDELITY ASSURANCE COMPANY | $553 | $0 | $553 | 11.83% |
| INSUROR'S OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET PO BOX 2683 WACO, TX 76702 | ZURICH AMERICAN INSURANCE COMPANY | $443 | $0 | $443 | 14.99% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 250 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 0 | $105K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 0 | $105K |
| Life insurance | TEXAS LIFE INSURANCE COMPANY | 128 | $46K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 61 | $36K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 105 | $14K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 250 | $1.0M |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 104 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.