| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGY INC-HOUSTON | 6750 WEST LOOP SOUTH SUITE 250 BELLAIRE, TX 774014111 | HUMANA HEALTH PLAN OF TEXAS, INC. | $35K | — | $35K | 4.44% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 155 INVERNESS DRIVE WEST ENGLEWOOD, CO 801125000 | HUMANA HEALTH PLAN OF TEXAS, INC. | $7K | — | $7K | 0.94% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGY INC-AUSTIN | STE 1400 401 CONGRESS AVE AUSTIN, TX 787013793 | HUMANA HEALTH PLAN OF TEXAS, INC. | $0 | $4K | $4K | 0.46% |
| FROST INSURANCE AGENCY INC3 | PO BOX 1315 HOUSTON, TX 772511315 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 6.02% |
| CCIG3 | 155 INVERNESS DR W ENGLEWOOD, CO 801125000 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $676 | $676 | 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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 131 | $777K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $268K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $268K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $268K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $268K |
| Other(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 326 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.