| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77543 | BLUE CROSS BLUE SHIELD OF TEXAS | $46K | $2K | $48K | 5.31% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77543 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 18.09% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77543 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.84% |
| GEORGE W EVANS & ASSOC INC3 Filed as: GEORGE W. EVANS & ASSOC. INC. | 3033 CHIMNEY ROCK ROAD, SUITE 400 HOUSTON, TX 77056 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.04% |
| ROY F. ANDING JR.3 Filed as: ROY F. ANDING JR | 2224 NOCONA LANE LEAGUE CITY, TX 77573 | TRANSAMERICA LIFE INSURANCE COMPANY | $704 | $0 | $704 | 2.30% |
| INSURONE CORPORATEBENEFITS INC.3 | 3033 CHIMNEY ROCK ROAD, SUITE 400 HOUSTON, TX 77056 | TRANSAMERICA LIFE INSURANCE COMPANY | $223 | $0 | $223 | 0.73% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 1826 NORTH LOOP 1604 W, SUITE 375 SAN ANTONIO, TX 78248 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | $0 | $9 | 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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 148 | $900K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 148 | $900K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 109 | $72K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 109 | $72K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 109 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 148 | $900K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 109 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.