| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 11.51% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF AMERICA | $549 | — | $549 | 30.30% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF AMERICA | $497 | — | $497 | 30.03% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF AMERICA | $139 | — | $139 | 15.27% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 30.21% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $46K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $46K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 155 | $2K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 73 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 154 | $910 |
| Other | LIFE INSURANCE COMPANY OF AMERICA | 155 | $192 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.