| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABM INSURANCE AND BENEFIT SERVICES3 Filed as: ABM INS. AND BENEFIT SERVICES INC. | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 8.10% |
| TERRY M. ZIMPEL3 | 2906 SNAKE CANYON DRIVE KATY, TX 77449 | AFLAC | $2K | $78 | $2K | 6.95% |
| SHANNON L MUSE3 Filed as: SHANNON L. MUSE | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $624 | $16 | $640 | 2.79% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $316 | $16 | $332 | 1.45% |
| MJ INSURANCE3 Filed as: LAURA ANN MORGAN AND VARIOUS AGENTS | 920 HOUSTON AVENUE, SUITE 1207 PASADENA, TX 77502 | AFLAC | $320 | $0 | $320 | 1.40% |
| MIKE L. ALEXANDER3 | 17703 SMOOTH ROCK FALLS DRIVE SPRING, TX 77379 | AFLAC | $157 | $0 | $157 | 0.68% |
| MARIO SILVA3 Filed as: MARIO D. SILVA | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $81 | $0 | $81 | 0.35% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $60 | $0 | $60 | 0.26% |
| ABM INSURANCE AND BENEFIT SERVICES3 Filed as: ABM INS. AND BENEFIT SERVICES INC. | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $0 | $1K | 7.44% |
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 | 705 | 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) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $341K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $327K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $327K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $327K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $327K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.