| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER L. KIRK3 | 330 RAYFORD ROAD 264 SPRING, TX 77386 | AFLAC | $2K | $54 | $3K | 13.15% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DRIVE HUMBLE, TX 77396 | AFLAC | $520 | $13 | $533 | 2.76% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS, LLC | 10 MOON BEAM COURT SPRING, TX 77381 | AFLAC | $325 | $13 | $338 | 1.75% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE LYNN RIHANEK & OTHER AGENTS | 5535 NIGHT OWL TERRACE PALMETTO, FL 34221 | AFLAC | $271 | $0 | $271 | 1.41% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77381 | AFLAC | $152 | $0 | $152 | 0.79% |
| TOM LY3 Filed as: TOM HONG LY | 21347 CYPRESS CONIFER DRIVE CYPRESS, TX 77433 | AFLAC | $114 | $0 | $114 | 0.59% |
| MELISSA LYNNETTE FORSTER3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | AFLAC | $95 | $0 | $95 | 0.49% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $208K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $208K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $139K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.