| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | LLC 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 190343224 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 10.00% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH NSURANCE SEVICES, | LLC 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.26% |
| ANA J KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.75% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $940 | — | $940 | 2.09% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA A BOLLI | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $901 | — | $901 | 9.84% |
| PATRIOT GROWTH INSURANCE SERVICES4 Filed as: PATRIOT GROWTH INSURANCE SER | STE 215 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $465 | — | $465 | 5.08% |
| ROGERS BENEFIT GROUP INC4 Filed as: MICHAEL J ROGERS | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $145 | — | $145 | 1.58% |
| W. WILLIAM WORNARDT III4 Filed as: W WILLIAM WORNARDT III | 7707 TIBURON TRL SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | — | $66 | 0.72% |
| MARK E SULLIVAN4 | 9211 FOREST CREEK DR TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | — | $46 | 0.50% |
| DEANNE LYLES4 | 11230 CEDAR DR MABANK, TX 75156 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.28% |
| RICHARD NEWMAN II4 | 82268 AUSTIN ST FOLSOM, LA 70437 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.25% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 413 | $120K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 413 | $120K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,306 | $146K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,306 | $146K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,306 | $146K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,306 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.