| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | AETNA LIFE INSURANCE COMPANY | $6K | $62K | $68K | 6.07% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD HOUSTON, TX 77062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE BOULEVARD SUITE 201 HOUSTON, TX 77062 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 27.76% |
| ROY F. ANDING JR.3 | 866 WESTSHORE COURT LEAGUE CITY, TX 77573 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.55% |
| INSURANCE CORPORATE BENEFITS, INC.3 | 440 BENMAR, SUITE 1275 HOUSTON, TX 77060 | TRANSAMERICA LIFE INSURANCE COMPANY | $443 | — | $443 | 1.69% |
| GEORGE W EVANS & ASSOCIATES INC3 Filed as: GEORGE W. EVANS | 5904 DOLORES HOUSTON, TX 77057 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | — | $17 | 0.06% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 227 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 227 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 227 | $1.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $72K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 227 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 296 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
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.