| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY HORN3 | PO BOX 3194 BELLAIRE, TX 77402 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $33K | — | $33K | 5.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. #400S DALLAS, TX 75251 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $555 | $7K | 10.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. #400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.32% |
| INVESTORS MUTUAL AGENCY INC3 Filed as: INVESTORS MUTUAL AGENCY INC. | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77042 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $519 | — | $519 | 15.00% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 173 | $550K |
| Vision | HM LIFE INSURANCE COMPANY | 72 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $24K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
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.