| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT COMPANY | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $42K | — | $42K | 11.30% |
| ROBERT K NITSCHE3 Filed as: ROBERT K. NITSCHE | 3300 VINTAGE ROUND ROCK, TX 78664 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 2.82% |
| PAUL CRAWFORD DORTON3 Filed as: PAUL C. DORTON | 18207 INDIAN BOW SAN ANTONIO, TX 78259 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 2.82% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 1.11% |
| ALLEN BAKER3 Filed as: ALLEN C. BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $755 | — | $755 | 0.20% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 2.48% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | EYEMED | $3K | — | $3K | 6.23% |
| FLEXVISION3 | 15400 CALHOUN DRIVE ROCKVILLE, MD 20855 | EYEMED | $3K | — | $3K | 6.23% |
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 | 669 | 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) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 856 | $47K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 669 | $701K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $327K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $327K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 669 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.
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.