| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURANCE CORPORATION AGENCY3 | — | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | HCC LIFE INSURANCE COMPANY | $725 | — | $725 | 5.00% |
| SECURANCE CORPORATION AGENCY3 | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $117 | $117 | 1.63% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $978 | — | $978 | 15.00% |
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $81 | $81 | 1.24% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $651 | — | $651 | 15.00% |
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $109 | $109 | 2.51% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 109 | $78K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 92 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $4K |
| Stop-loss / reinsurancereinsurance | THE HEALTH PLAN | 107 | $221K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 110 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.