| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 743376 LOS ANGELES, CA 90074 | ARMADACARE | $8K | — | $8K | 2.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 7.15% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC | 1820 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 6.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH STREET FORT WORTH, TX 76102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | — | $468 | 0.17% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| MATTHEW SUTTON3 Filed as: MATTHEW D SUTTON | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| LORA MARIE WATSON3 Filed as: LORA M WATSON | PO BOX 1663 MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR SUITE 208 KINGWOOD, TX 77339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE G WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | P.O. BOX 102159 PASDENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 6.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | P.O. BOX 102159 PASDENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.70% |
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 | 954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 26 | $359K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 954 | $231K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 232 | $278K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $50K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 232 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
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.