| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER L. KIRK3 Filed as: HEATHER KIRK | 330 RAYFORD ROAD 264 SPRING, TX 77386 | AFLAC | $2K | $277 | $3K | 12.80% |
| TOM LY3 | 21347 CYPRESS CONIFER DRIVE CYPRESS, TX 77433 | AFLAC | $425 | $13 | $438 | 2.03% |
| MJ INSURANCE3 Filed as: MELISSA FORSTER AND VARIOUS AGENTS | 43 STEEP TRAIL PLACE CONROE, TX 77385 | AFLAC | $337 | $0 | $337 | 1.56% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DRIVE HUMBLE, TX 77396 | AFLAC | $268 | $21 | $289 | 1.34% |
| MICHAEL ANDERS LLC3 | 10 MOON BEAM COURT SPRING, TX 77381 | AFLAC | $184 | $31 | $215 | 1.00% |
| MICHAEL ANDERS LLC3 | 15312 SANDHILL CRANE LANE CONROE, TX 77384 | AFLAC | $165 | $3 | $168 | 0.78% |
| DEBORAH SCHMIDT3 | 7207 SANDY ISLE LANE SPRING, TX 77389 | AFLAC | $151 | $0 | $151 | 0.70% |
| DEANNE LYLES4 | 11230 CEDAR DRIVE MABANK, TX 75156 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 28.79% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 243 | $244K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 243 | $244K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $171K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
No prospect flags tripped on this filing.