| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER L. KIRK3 | 330 RAYFORD ROAD, SUITE 264 SPRING, TX 77386 | AFLAC | $2K | $40 | $2K | 11.12% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DRIVE HUMBLE, TX 77396 | AFLAC | $434 | $9 | $443 | 2.64% |
| MJ INSURANCE3 Filed as: DEBRA L. SCHMIDT AND VARIOUS AGENTS | 7207 SANDY ISLE LANE SPRING, TX 77389 | AFLAC | $300 | $0 | $300 | 1.79% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS, LLC | 8900 RESEARCH PARK DRIVE APARTMENT 710 SPRING, TX 77381 | AFLAC | $182 | $3 | $185 | 1.10% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $94 | $0 | $94 | 0.56% |
| NICOLE LYNN RIHANEK3 | 1205 2ND AVENUE EAST, UNIT 4312 BRADENTON, FL 34208 | AFLAC | $81 | $6 | $87 | 0.52% |
| MELISSA LYNNETTE FORSTER3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | AFLAC | $84 | $0 | $84 | 0.50% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 197 | $183K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 197 | $183K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $155K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $155K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.