| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE SAMMIS3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.50% |
| HELEN BONZAN3 Filed as: HELEN BONZANT | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 13.29% |
| INSGROUP INC3 Filed as: INSGROUP INC. | 5151 SAN FELIPE STREET, 17TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 2.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HEATHER L. KIRK3 | 330 RAYFORD ROAD, SUITE 264 SPRING, TX 77386 | AFLAC | $2K | $47 | $2K | 12.61% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DRIVE HUMBLE, TX 77396 | AFLAC | $448 | $6 | $454 | 2.51% |
| NICOLE LYNN RIHANEK3 | 2311 MID LANE, APARTMENT 901 HOUSTON, TX 77027 | AFLAC | $282 | $6 | $288 | 1.59% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $202 | $0 | $202 | 1.12% |
| TRUDY MARCELLINO3 Filed as: TRUDY MARCELLINO AND VARIOUS | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $183 | $0 | $183 | 1.01% |
| MELISSA LYNNETTE FORSTER3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | AFLAC | $158 | $0 | $158 | 0.87% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $68 | $0 | $68 | 0.38% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 187 | $173K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 146 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $171K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.