| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FLOOR 25 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $29K | — | $29K | 6.03% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC. | 16545 VILLAGE DRIVE BUILDING B JERSEY VILLAGE, TX 77040 | BLUECROSS BLUESHIELD OF TEXAS | $14K | — | $14K | 2.95% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC. | 16545 VILLAGE DRIVE JERSEY VILLAGE, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.82% |
| EDWARD A ORAVETZ3 Filed as: EDWARD A. ORAVETZ | 161 W SHADOWBEND AVE SUITE 102 FRIENDSWOOD, TX 77546 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FLOOR 25 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $4K | — | $4K | 6.54% |
| KAINOS PARTNERS, INC.3 | 16545 VILLAGE DRIVE BUILDING B JERSEY VILLAGE, TX 77040 | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 3.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12700 POST OAK BLVD FLOOR 25 HOUSTON, TX 77056 | SUPERIOR VISION PLAN OF TEXAS | $801 | — | $801 | 6.61% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC. | 16545 VILLAGE DRIVE BUILDING B JERSEY VILLAGE, TX 77040 | SUPERIOR VISION PLAN OF TEXAS | $411 | — | $411 | 3.39% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 190 | $478K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 206 | $66K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 93 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 167 | $68K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 167 | $68K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 167 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.