| 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 | $3K | $59K | $62K | 5.30% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $168 | $24K | 2.01% |
| RAIALIFE PARTNERS PC3 | PO BOX 27701-443 HOUSTON, TX 772277701 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 10.53% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TN 770421608 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 3.43% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS DR STE 150 SPRING, TX 770421608 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| SHERRY TATUM BRANDA3 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 774453922 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH RD HEPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 14.85% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J TELTOW | 1742 WICKHAM REACH RD SPRING, TN 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $107 | — | $107 | 0.92% |
| KELLY A CODISPOTI4 | 162 QUAIL MEADOW DR CONROE, TN 77384 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | — | $49 | 0.42% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS RD #150 THE WOODLANDS, TX 77380 | ALLSTATE | $270 | — | $270 | 8.97% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | ALLSTATE | $144 | — | $144 | 4.79% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $236K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $236K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $236K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $236K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $236K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.