| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BOULEVARD HOUSTON, TX 77062 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.53% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.51% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.87% |
| ROY F. ANDING JR.3 Filed as: ROY F ANDING JR | 866 WESTSHORE COURT LEAGUE CITY, TX 77573 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.56% |
| INSUREONE CORPORATE BENEFITS, INC.3 Filed as: INSUREONE CORPORATE BENEFITS INC | 1910 WESTMEAD, SUITE 4508 HOUSTON, TX 77077 | TRANSAMERICA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 0.83% |
| GEORGE W EVANS & ASSOCIATES INC3 Filed as: GEORGE W EVANS AND ASSOCIATES INC | 5904 DELORES HOUSTON, TX 77057 | TRANSAMERICA LIFE INSURANCE COMPANY | $111 | $0 | $111 | 0.62% |
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 | 223 | 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) | 223 | 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 | 116 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $64K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 227 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 402 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.