| 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 | — | $49K | $49K | 5.00% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 2.00% |
| RAIALIFE PARTNERS PC3 | PO BOX 27701-443 HOUSTON, TX 772277701 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 11.08% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TN 770421608 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $103 | $5K | 3.15% |
| SHERRY TATUM BRANDA3 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 774453922 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.03% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH RD HEPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 22.73% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J TELTOW | 1742 WICKHAM REACH RD SPRING, TN 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $120 | — | $120 | 1.13% |
| KELLY A CODISPOTI4 | 162 QUAIL MEADOW DR CONROE, TN 77384 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | — | $49 | 0.46% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS RD #150 THE WOODLANDS, TX 77380 | ALLSTATE | $278 | — | $278 | 9.24% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | ALLSTATE | $151 | — | $151 | 5.02% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $989K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $174K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $174K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $174K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $174K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $174K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
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.