| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | WESTPORT INSURANCE CORPORATION | $44K | — | $44K | 11.25% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC | 30 COOK PLZ SUITE 200 PO BOX 545 MADISON, NJ 07940 | WESTPORT INSURANCE CORPORATION | $15K | — | $15K | 3.75% |
| BROADD REACH BENEFITS INC3 | 30 COOK PLZ SUITE 200 PO BOX 545 MADISON, NJ 07940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 11.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.70% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC | PO BOX 545 MADISON, NJ 07940 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| JAY T REX3 Filed as: JAY BERGMANN | 232 SUNRISE COVE AUSTIN, VT 78738 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $325 | — | $325 | 0.39% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIRLCE HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 0.32% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.24% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.19% |
| BRYAN INGLIS3 | 104 PENNS WAY SHAVANO PARK, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 0.18% |
| BRENNAN BAKER3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.06% |
| AYALA VANESSA3 | 1790 RUSSELL LANE SAN BENITO, TX 78586 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| MARIA GARCIA3 | 7215 BOYCE ST HOUSTON, VI 77020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| DALLAS MORENO3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| ALLISON A WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC | 30 COOK PLZ SUITE 200 PO BOX 545 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.95% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA LLC | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | WESTPORT INSURANCE CORPORATION | $1K | — | $1K | 7.50% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC | 30 COOK PLZ SUITE 200 PO BOX 545 MADISON, NJ 07940 | WESTPORT INSURANCE CORPORATION | $492 | — | $492 | 2.50% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $65K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $204K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $121K |
| Stop-loss / reinsurancereinsurance(2 contracts) | WESTPORT INSURANCE CORPORATION | 121 | $409K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.