| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA STREET SUITE 150 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $34K | $4 | $34K | 4.58% |
| KRAFT LAKE INSURANCE AGENCY3 Filed as: J-KRAFT | — | BLUECROSS BLUESHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INS AGENCY INC | PO BOX 2507 CONROE, TX 77305 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ESSENTIAL ENROLLMENT SOLUTIONS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | STARMOUNT LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $12K | 17.94% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $570 | $10K | 14.13% |
| DARIN POTTS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 9.80% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 6.65% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDNG PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 6.43% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVENUE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $192 | $2K | 3.32% |
| VERA ANN PAREDES3 | 1414 RICEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $107 | $2K | 2.91% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $495 | $2K | 2.57% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $15 | $23 | 0.03% |
| MARIE GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $4 | $20 | 0.03% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INSURANCE AGENCY INC. | PO BOX 2507 CONROE, TX 77305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| ESSENTIAL ENROLLMENT SOLUTIONS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INSURANCE AGENCY INC. | PO BOX 2507 CONROE, TX 77305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| ESSENTIAL ENROLLMENT SOLUTIONS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 17.75% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALBAMA STREET HOUSTON, TX 77098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $211 | $4K | 13.21% |
| DARIN POTTS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 9.14% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDNG PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $641 | $2K | 6.41% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $479 | $2K | 5.87% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVENUE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | $82 | $969 | 3.60% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET SUIE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $42 | $784 | 2.91% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | $222 | $784 | 2.91% |
| NEW SOULES INSURANCE AGENCY INC3 Filed as: NEW SOULES INS AGENCY INC | PO BOX 2507 CONROE, TX 77305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| ESSENTIAL ENROLLMENT SOLUTIONS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $798 | $798 | 5.00% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $441 | $898 | 17.96% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALBAMA STREET HOUSTON, TX 77098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $39 | $658 | 13.16% |
| DARIN POTTS3 | 100 DETERING STREET UNIT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $267 | $469 | 9.38% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $107 | $353 | 7.06% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDNG PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $118 | $318 | 6.36% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $12 | $214 | 4.28% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVENUE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $9 | $102 | 2.04% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $5 | $17 | 0.34% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 122 | $748K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 162 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 162 | $72K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $31K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 295 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.