| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABM INSURANCE AND BENEFIT SERVICES3 | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 8.87% |
| TERRY M. ZIMPEL3 | 2906 SNAKE CANYON DRIVE KATY, TX 77449 | AFLAC | $1K | $0 | $1K | 7.03% |
| SHANNON L MUSE3 Filed as: SHANNON L. MUSE | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $594 | $0 | $594 | 2.85% |
| MARIO SILVA3 Filed as: MARIO D. SILVA AND OTHER AGENTS | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $335 | $0 | $335 | 1.61% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $207 | $0 | $207 | 0.99% |
| MIKE L. ALEXANDER3 | 17703 SMOOTH ROCK FALLS DRIVE SPRINGS, TX 77379 | AFLAC | $149 | $0 | $149 | 0.71% |
| TODD A STULL3 Filed as: TODD A. STULL | 810 SOUTH MASON ROAD, SUITE 102 KATY, TX 77450 | AFLAC | $110 | $0 | $110 | 0.53% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 WEST NORTHWEST HIGHWAY SUITE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $93 | $0 | $93 | 0.45% |
| ABM INSURANCE AND BENEFIT SERVICES3 | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $0 | $1K | 7.96% |
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 | 617 | 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) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $356K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $343K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $343K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $343K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $343K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.