| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 575 PINETOWN RD UNIT 731 FT WASHINGTON, PA 190343629 | AMERITAS LIFE INSURANCE CORP. | $10K | $2K | $13K | 12.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 20.74% |
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 18.24% |
| ANA J KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $818 | — | $818 | 2.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA A. BOLLLI | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 13.87% |
| PATRIOT GROWTH INSURANCE SERVICES4 | STE 215 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $563 | — | $563 | 5.89% |
| MARK E SULLIVAN4 Filed as: MARK E. SULLIVAN | 9211 FOREST CREEK DR TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $116 | — | $116 | 1.21% |
| W. WILLIAM WORNARDT III4 | 7707 TIBURON TRL SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 0.97% |
| DEANNE LYLES4 | 11230 CEDAR DR MABANK, TX 75156 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 0.29% |
| RICHARD NEWMAN II4 | 82268 AUSTIN ST FOLSOM, LA 70437 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.24% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 411 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 411 | $104K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 271 | $67K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 156 | $34K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 146 | $33K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 271 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.