| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL, LLC | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | AETNA HEALTH INSURANCE COMPANY | $16K | — | $16K | 0.84% |
| AL THURMOND AGENCY INC3 | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | AETNA HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $5K | — | $5K | 18.58% |
| AL THURMOND AGENCY INC3 | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $387 | — | $387 | 1.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 18.58% |
| AL THURMOND AGENCY INC3 | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $297 | — | $297 | 1.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 18.54% |
| AL THURMOND AGENCY INC3 | 14800 SAINT MARYS LN STE 235 HOUSTON, TX 77079 | LINCOLN FINANCIAL GROUP | $153 | — | $153 | 1.46% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INSURANCE COMPANY | 304 | $1.9M |
| Dental | AETNA HEALTH INSURANCE COMPANY | 304 | $1.9M |
| Vision | AETNA HEALTH INSURANCE COMPANY | 304 | $1.9M |
| Life insurance | LINCOLN FINANCIAL GROUP | 163 | $10K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 163 | $27K |
| Other(2 contracts) | LINCOLN FINANCIAL GROUP | 163 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.