| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 6.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 6.10% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 2.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 12720 HILLCREST RD #450 DALLAS, TX 75230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $915 | — | $915 | 0.26% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $894 | — | $894 | 0.25% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 12720 HILLCREST RD #450 DALLAS, TX 75230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.02% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 789467106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| MATTHEW SUTTON3 | 2318 LEGENDS SHORE DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| LORA MARIE WATSON3 | 28802 SAPPHIRE CIR MAGNOLIA, TX 773551844 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 773466040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| MAEDE C MILLER3 Filed as: MAEDE CATTRELL MILLER | 17133 KNOLL DALE TRL CONROE, TX 773851121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARLENE MARLENE WANZONG3 | 2813 ROCK TERRANCE DR AUSTIN, TX 787044640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 773466040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THERESA CHAMBLISS3 Filed as: THERESA ANNE CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 773392346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR COURT SUITE 750 NEWPORT BEACH, CA 92660 | ARMADACARE | $8K | — | $8K | 2.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.79% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES LLC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 11.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800, BLDG D ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH ST FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| JUND BRIAN EDWARD3 | 34 FALKNER DR LADERA RANCH, CA 926940925 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.60% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES LLC | 300 GALLERIA PARKWAY SUITE 100 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 27.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800, BLDG D ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.70% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH ST FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.30% |
| JUND BRIAN EDWARD3 | 34 FALKNER DR LADERA RANCH, CA 926940925 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
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 | 689 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 27 | $348K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $456K |
| Short-term disability(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 165 | $481K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 91 | $180K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 165 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.