| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 WEST ALABAMA SUITE 400 HOUSTON, TX 77098 | HUMANA HEALTH PLAN OF TEXAS, INC. | $23K | — | $23K | 2.69% |
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA HOUSTON, TX 77098 | HUMANA HEALTH PLAN OF TEXAS, INC. | $21K | — | $21K | 2.42% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 13.07% |
| STEPHEN LOWALL HOLMES3 Filed as: STEPHEN L HOLMES | 3206 QUEENS CREEK COURT DICKINSON, TX 77539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 37.17% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA HOUSTON, TX 77098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 19.64% |
| RYANN ALYSSA HARLESS3 | 3206 QUEENS CREEK COURT DICKINSON, TX 77539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.04% |
| BENEFITS SOLUTIONS GROUP LLC3 Filed as: BENEFITS SOLUTIONS LP | 3131 WEST ALABAMA HOUSTON, TX 77098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | — | $658 | 4.57% |
| BRITTANY MARIE HEIMAN3 | 8806 WILLOW WILDE DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $54 | $438 | 3.04% |
| TWYLA JOANN GEORGE3 | 280 HANNAH LANE LUMBERTON, TX 77657 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $80 | $202 | 1.40% |
| ISRAEL GARZA3 | 3400 CRAIG DRIVE APARTMENT 1813 MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $4 | $91 | 0.63% |
| ANDREA JAMES3 | 606 THISTLEWOOD DRIVE HOUSTON, TX 77079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $41 | $70 | 0.49% |
| LORA MARIE WATSON3 | PO BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $37 | $66 | 0.46% |
| ROBERT ANTHONY MARTINEZ3 | 1810 AYER STREET CORPUS CHRISTI, TX 78404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.16% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 0.13% |
| JULIAN OLALDE3 | 10935 ESTATE LANE DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MARIA R. JARA3 Filed as: MARIA GABRIELA HURTADO | 18108 SOUTH PARKVIEW DRIVE APARTMENT I-16 HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 106 | $851K |
| Vision | NATIONAL GUARDIAN LIFE | 246 | $37K |
| Life insurance | NATIONAL GUARDIAN LIFE | 246 | $37K |
| Other(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 246 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.