| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABM INSURANCE AND BENEFIT SERVICES3 Filed as: ABM INSURANCE & BENEFIT SVCS., INC. | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 9.63% |
| TERRY M. ZIMPEL3 | 3811 WATERLOO COURT FULSHEAR, TX 77441 | AFLAC | $933 | $0 | $933 | 4.97% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS LLC AND OTHER AGENTS | 8900 RESEARCH PARK DRIVE APARTMENT 710 SPRING, TX 77384 | AFLAC | $426 | $0 | $426 | 2.27% |
| SHANNON L MUSE3 Filed as: SHANNON L. MUSE | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $408 | $0 | $408 | 2.17% |
| ERIN RADA3 Filed as: ERIN K. RADA | 173 RAINBOW DRIVE, SUITE 7300 LIVINGSTON, TX 77399 | AFLAC | $157 | $0 | $157 | 0.84% |
| CHARITY PRUGAR3 | 5509 COLONY DRIVE SEALY, TX 77474 | AFLAC | $147 | $0 | $147 | 0.78% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $122 | $0 | $122 | 0.65% |
| MIKE L. ALEXANDER3 | 17703 SMOOTH ROCK FALLS DRIVE SPRING, TX 77379 | AFLAC | $85 | $0 | $85 | 0.45% |
| ABM INSURANCE AND BENEFIT SERVICES3 Filed as: ABM INSURANCE & BENEFIT SVCS., INC. | 333 NORTH SAM HOUSTON PARKWAY EAST SUITE 750 HOUSTON, TX 77060 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $733 | $0 | $733 | 8.27% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $276K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $267K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $267K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $267K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $267K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.