| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY SAMUEL PARK3 Filed as: TRACY PARK | 2537 S GESSNER SUITE 106 HOUSTON, TX 77063 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $4K | — | $4K | 15.14% |
| EDWARD MCDERMOTT3 | 3707 WEST CENTER SUITE 200 HOUSTON, TX 77042 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $1K | — | $1K | 4.40% |
| TRACY SAMUEL PARK Filed as: TRACY PARK | 2537 S GESSNER SUITE 106 HOUSTON, TX 77063 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDWARD MCDERMOTT3 | 3707 WEST CENTER SUITE 200 HOUSTON, TX 77042 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $631 | — | $631 | 5.00% |
| TRACY SAMUEL PARK3 Filed as: TRACY PARK | 2537 S GESSNER SUITE 106 HOUSTON, TX 77063 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $38 | — | $38 | 10.05% |
| EDWARD MCDERMOTT3 | 3707 WEST CENTER SUITE 200 HOUSTON, TX 77042 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $19 | — | $19 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENTRUST, INC. EIN 76-0312320 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $123K |
| ENTRUST ADMINISTRATIVE SERVICES EIN 20-1513367 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $63K |
| TPAC UNDERWRITERS, INC. EIN 75-2396335 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $49K |
| MEDICAL HELPINE, INC. EIN 76-0595405 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $15K |
| FIRST HEALTH EIN 20-1736437 NONE | Other services Service code 49 | — | $6K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | 152 | $24K |
| Vision(2 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 142 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.