| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLISON W COHEN DE PAOLI3 | PO BOX 461767 SAN ANTONIO, TX 782461767 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | — | $28K | 13.17% |
| CANALICHIO INSURANCE GROUP, LLC3 Filed as: CANALICHIO INSURANCE GROUP LLC | 1067 FM 306 STE 305 NEW BRAUNFELS, TX 781304686 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.05% |
| ALLISON W COHEN DE PAOLI3 | 250 LOVERA BLVD SAN ANTONIO, TX 782121212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| BRENT FORD3 Filed as: BRENT ALAN FORD | 20345 REGENCY RUN GARDEN RIDGE, TX 782662358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $749 | — | $749 | 2.70% |
| TRISTAN GAINES3 Filed as: TRISTAN EMANUEL GAINES | 1985 BRANDYWINE DR NEW BRAUNFELS, TX 781302602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $538 | — | $538 | 1.94% |
| KEVIN A CANALICHIO3 Filed as: KEVIN ANDREW CANALICHIO | 1067 FM 306 STE 305 NEW BRAUNFELS, TX 781304686 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 1.22% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $213K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $213K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $213K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $213K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $213K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.