| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $782 | $6K | 11.56% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $676 | $4K | 17.98% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $693 | $4K | 18.11% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $652 | $4K | 18.28% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BLVD HOUSTON, TX 77062 | BLUE CROSS BLUE SHIELD TEXAS | $6K | — | $6K | 49.77% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $944 | — | $944 | 10.01% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $250 | $1K | 18.02% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD TEXAS | 0 | $12K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 200 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 35 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD TEXAS | 0 | $12K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.