| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABM INSURANCE & BENEFIT SERVICES3 | 14950 HEATHROW FOREST PARKWAY SUITE 500A HOUSTON, TX 77032 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 8.57% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | METROPOLITAN LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.03% |
| PHRI LLC3 Filed as: PHRI, LLC | 35 PARKWOOD DRIVE HOPKINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.02% |
| ABM INSURANCE & BENEFIT SERVICES3 | 14950 HEATHROW FOREST PARKWAY SUITE 500A HOUSTON, TX 77032 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $524 | $0 | $524 | 6.73% |
| TERRY M. ZIMPEL3 | 3811 WATERLOO COURT FULSHEAR, TX 77441 | AFLAC | $373 | $0 | $373 | 4.81% |
| PARAGON BENEFIT SOLUTIONS LLC3 Filed as: PARAGON BENEFIT SOLUTIONS, LLC | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $199 | $0 | $199 | 2.56% |
| EZEQUIEL MENCHACA AND OTHER AGENTS3 | 9963 KIRKDALE DRIVE HOUSTON, TX 77089 | AFLAC | $92 | $0 | $92 | 1.19% |
| MIKE L. ALEXANDER3 | 17703 SMOOTH ROCK FALLS DRIVE SPRING, TX 77379 | AFLAC | $65 | $0 | $65 | 0.84% |
| TODD A STULL3 Filed as: TODD A. STULL | 3000 EAST DIVISION STREET, SUITE A SPRINGFIELD, MO 65802 | AFLAC | $52 | $0 | $52 | 0.67% |
| JOHN N. JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $51 | $0 | $51 | 0.66% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $50 | $0 | $50 | 0.64% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $354K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $346K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $346K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $346K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $346K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.