| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | $2K | $93K | 5.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 9.46% |
| JEFFREY LANCE ANNARINO3 Filed as: JEFFREY L ANNARINO | 408 PINE CREEK DRIVE FRIENDSWOOD, TX 77546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.68% |
| ANNAMARINO, JEFFREY LANCE3 | 4815 FM 2351 RD, SUITE 206 FRIENDSWOOD, TX 77546 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.91% |
| JEFFREY LANCE ANNARINO3 Filed as: JEFFREY L ANNARINO | 4815 FM 2351 RD, SUITE 206 FRIENDSWOOD, TX 77546 | HUMANA INSURANCE COMPANY | $605 | — | $605 | 6.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | HUMANA INSURANCE COMPANY | $401 | — | $401 | 3.98% |
| JEFFREY LANCE ANNARINO3 Filed as: JEFFREY L ANNARINO | 4815 FM 2351 RD, SUITE 206 FRIENDSWOOD, TX 77546 | HUMANA INSURANCE COMPANY | $159 | — | $159 | 5.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | HUMANA INSURANCE COMPANY | $142 | — | $142 | 4.72% |
| JEFFREY LANCE ANNARINO3 Filed as: JEFFREY L ANNARINO | 4815 FM 2351 RD, SUITE 206 FRIENDSWOOD, TX 77546 | HUMANA INSURANCE COMPANY | $117 | — | $117 | 5.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | HUMANA INSURANCE COMPANY | $99 | — | $99 | 4.60% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $1.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $1.8M |
| Vision(3 contracts) | HUMANA INSURANCE COMPANY | 74 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $75K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $75K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
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.