| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES, INC | 22322 GRAND CORNER, STE 220 KATY, TX 77494 | TRANSAMERICA LIFE INSURANCE CO. | $10K | — | $10K | 39.54% |
| DYNAMIC WORKSITE SOLUTIONS, LLC3 | 2717 COMMERICAL CENTER BLVD SUITE E-200 KATY, TX 77494 | TRANSAMERICA LIFE INSURANCE CO. | $295 | — | $295 | 1.20% |
| DEBRA KAY GAPP3 Filed as: DEBRA K. GAPP | 20302 STONE FALLS COURT CYPRESS, TX 77433 | TRANSAMERICA LIFE INSURANCE CO. | $15 | — | $15 | 0.06% |
| TRACY SAMUEL PARK3 | 2537 S. GESSNER, STE 106 HOUSTON, TX 77063 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 9.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TPAC UNDERWRITERS, INC. EIN 75-2396335 NONE | Other services Service code 49 | — | $63K |
| ENTRUST ADMINISTRATIVE SERVICES,LLC EIN 20-1513367 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $57K |
| ENTRUST, LLC EIN 76-0312320 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $56K |
| MEDICAL HELPINE, LLC EIN 76-0595405 COMMON OWN'SHIP W ENTRUST | Other services Service code 49 | — | $16K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 167 | $19K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 167 | $19K |
| Life insurance | TRANSAMERICA LIFE INSURANCE CO. | 131 | $25K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE CO. | 131 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.