| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 500 N WATER ST #900 CORPUS CHRISTI, TX 78401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53K | — | $53K | 28.71% |
| JANEL THRASH3 | P O BOX 60561 CORPUS CHRISTI, TX 78466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 8.66% |
| PAUL M HAAS3 | 3645 SANTA FE CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 8.61% |
| ALLEN W. CALK3 Filed as: ALLEN W CALK | 5151 FLYNN PKWY STE 115 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.70% |
| JOE A RODGERS3 | 4646 CORONA DR STE 210 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 3.43% |
| GERALD J DAVIS3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 3.33% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 186 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.