| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $48K | $14K | $62K | 29.54% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | ONE HOLLOW LANE, SUITE 206 LAKE SUCCESS, NY 11042 | HARTFORD LIFE AND ACCIDENT | $31 | $0 | $31 | 0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | HARTFORD LIFE AND ACCIDENT | -$72 | -$14 | -$86 | -0.04% |
| RINA TIKIA3 | UNKNOWN WICHITA FALLS, TX 76302 | TRUASSURE INSURANCE COMPANY | $7K | $0 | $7K | 8.00% |
| TREVOR KEBODEAUX3 | UNKNOWN WICHITA FALLS, TX 76302 | TRUASSURE INSURANCE COMPANY | $6K | $0 | $6K | 6.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METARIRIE, LA 70002 | TRUASSURE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| RINA TIKIA3 | 4912 REBECCA BOULEVARD KENNER, LA 70065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.89% |
| CHERI DAWN STAFFORD3 Filed as: CHERI D. STAFFORD | 4306 FAITH ROAD WITCHITA FALLS, TX 76308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | $0 | $492 | 0.87% |
| TRISHA MECHELLE CARLISLE3 Filed as: TRISHA M CARLISLE | 410 NORTH THRESSA STREET HENRIETTA, TX 76365 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | $0 | $329 | 0.58% |
| CHERI DAWN STAFFORD3 Filed as: CHERI D STAFFORD | 4923 REGINALD DRIVE WICHITA FALLS, TX 21635 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.38% |
| ISELA B. ARRIAGA3 | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.36% |
| TRAVIS GEORGE REEDY3 Filed as: TRAVIS REEDY | 24800 HIX ROAD CANYON, TX 79015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.21% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.14% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 262 | $92K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $267K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $211K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 146 | $314K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $294K |
| 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."
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.