| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC | 1820 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84K | — | $84K | 17.69% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH STREET FORT WORTH, TX 76102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | — | $49K | 10.22% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $533 | — | $533 | 0.11% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | — | $334 | 0.07% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 0.04% |
| MATTHEW SUTTON3 Filed as: MATTHEW D SUTTON | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.03% |
| LORA MARIE WATSON3 Filed as: LORA M WATSON | 28802 SAPPHIRE CIR MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.02% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR SUITE 208 KINGWOOD, TX 77339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| CHRISTOPHER LEE INSURANCE AGENCY3 | 6918 GOODSTRUM WAY KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.01% |
| MICHAEL GRASS3 Filed as: MICHAEL P GRASS | 25618 RYANS CREEK COURT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.01% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE G WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 SEALY, TX 77474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PRENTISS A CASTLE, JR3 | 25503 PENGUIN STREET MAGNOLIA, TN 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH STREET FORT WORTH, TX 76102 | ARMADACARE | $7K | — | $7K | 1.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | ARMADACARE | $4K | — | $4K | 0.81% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH ST FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.97% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH ST FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.93% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.68% |
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 | 925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 29 | $471K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 925 | $153K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,320 | $476K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $82K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,320 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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.