| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELEN BONZAN3 | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.00% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET, 17TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 4.87% |
| HEATHER L. KIRK3 | 330 RAYFORD ROAD 264 SPRING, TX 77386 | AFLAC | $1K | $66 | $1K | 8.53% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DRIVE HUMBLE, TX 77396 | AFLAC | $260 | $15 | $275 | 1.95% |
| MJ INSURANCE3 Filed as: UNKNOWN AND VARIOUS AGENTS | UNKNOWN HOUSTON, TX 77027 | AFLAC | $165 | $0 | $165 | 1.17% |
| NICOLE LYNN RIHANEK3 | 1205 6TH AVENUE EAST APARTMENT 4312 BRADENTON, FL 34208 | AFLAC | $146 | $15 | $161 | 1.14% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $136 | $0 | $136 | 0.97% |
| MELISSA LYNNETTE FORSTER3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | AFLAC | $77 | $0 | $77 | 0.55% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $68 | $0 | $68 | 0.48% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 172 | $156K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 132 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $134K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $134K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.