| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURANCE CORPORATION AGENCY3 | — | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 12.35% |
| SECURANCE CORPORATION AGENCY3 | 10205 WESTHEIMER ROAD SUITE 1100 HOUSTON, TX 77042 | HCC LIFE INSURANCE COMPANY | $891 | — | $891 | 5.00% |
| SECURANCE CORPORATION AGENCY3 | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.23% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| REFORM BROKER LLC3 | 8911 WEYMOUTH DRIVE HOUSTON, TX 77031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $70 | $70 | 0.78% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| REFORM BROKER LLC3 | 8911 WEYMOUTH DRIVE HOUSTON, TX 77031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $406 | $406 | 5.35% |
| SECURANCE CORPORATION AGENCY3 | PO BOX 420390 HOUSTON, TX 77242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $975 | — | $975 | 15.00% |
| REFORM BROKER LLC3 | 8911 WEYMOUTH DRIVE HOUSTON, TX 77031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $144 | $144 | 2.21% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 203 | $94K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 175 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $9K |
| Stop-loss / reinsurancereinsurance | THE HEALTH PLAN | 210 | $265K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 212 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.