| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER ALLBRIGHT3 | 11780 WALDING RD MONTGOMERY, TX 77356 | HUMANA | $303K | — | $303K | 2.98% |
| JENNIFER ALLBRIGHT3 | 100 COMMERCIAL CIRCLE STE B CONROE, TX 77304 | METROPOLITAN LIFE INSURANCE COMPANY | $152K | — | $152K | 6.62% |
| ERIC LARUE3 | 3070 CREEK FALLS WAY DULUTH, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 1.34% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 E TAFT AVE C/O BENTEC 10 SAPULA, OK 74066 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| JENNIFER ALLBRIGHT3 | 11780 WALDING RD MONTGOMERY, TX 77356 | HUMANA | $9K | — | $9K | 2.81% |
| JENNIFER ALLBRIGHT3 | 11780 WALDING RD MONTGOMERY, TX 77356 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC INC | 12404 PARK CENTRAL DR., STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.95% |
| R WOOD RESTORATION3 | 7927 KAVANAGH CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $393 | — | $393 | 4.30% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $365 | — | $365 | 3.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $365 | — | $365 | 3.99% |
| JENNIFER ALLBRIGHT3 | 100 COMMERCIAL CIRCLE STE B CONROE, TX 77304 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $189 | — | $189 | 2.07% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $189 | — | $189 | 2.07% |
| RAYMOND LOPEZ3 | 7224 KYLE COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $70 | — | $70 | 0.77% |
| R WOOD RESTORATION3 Filed as: K C WOOD PA | 7224 KYLE COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $70 | — | $70 | 0.77% |
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 | 1,285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 1,285 | $10.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,821 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,821 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.