| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.65% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | ECHELON ADVISORS 2150 S CENTRAL EXPY, STE 280 MCKINNEY, TX 75070 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.71% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE COMPANY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $445 | $445 | 2.81% |
| OVATION HEALTH & LIFE SERVICES INC3 | PO BOX 796816 DALLAS, TX 75379 | METROPOLITAN LIFE INSURANCE COMPANY | $242 | $24 | $266 | 1.68% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | RELIANCE INS GROUP 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.04% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.67% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $343 | — | $343 | 13.65% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $7K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.