| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIALIFE PARTNERS PC3 | 510 BERING DR STE 490 HOUSTON, TX 77057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 5.00% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $27K | $27K | 2.00% |
| RAIALIFE PARTNERS PC3 | 510 BERING DR STE 490 HOUSTON, TX 770571471 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.46% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TN 770421608 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS DR STE 150 SPRING, TX 773803268 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.99% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH RD HEPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 14.64% |
| KELLY A CODISPOTI4 | 162 QUAIL MEADOW DR CONROE, TN 77384 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $558 | — | $558 | 4.16% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J TELTOW | 1742 WICKHAM REACH RD SPRING, TN 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $80 | — | $80 | 0.60% |
| WOODFOREST FINANCIAL SERVICES INC4 | 1330 LAKE ROBBINS DR STE 150 THE WOODLANDS, TX 77380 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $53 | — | $53 | 0.40% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS RD #150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 8.88% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 4.68% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $230K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $230K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $230K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $230K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $230K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.