| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC - HOUSTON | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $102K | — | $102K | 16.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 9.94% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $581 | $4K | 2.41% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $144 | $3K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $296 | $3K | 1.78% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $474 | $2K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOC | 10055 WEST GULF BANK HOUSTON, TX 77040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| NORMA R WARNER3 | 4705 STILL MEADOWS ST LIBERTY, TX 77575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.73% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | $247 | $934 | 0.52% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $181 | $730 | 0.41% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 0.39% |
| JOHN HARMATUK3 | 17715 FIRESIDE DR SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $698 | — | $698 | 0.39% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.12% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.08% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.07% |
| MJ INSURANCE3 Filed as: SALAZAR INSURANE GROUP LLC | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.06% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.06% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFITS SOLUTION LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $3 | $79 | 0.04% |
| JOANNE MIDDLETON3 | 14825 ST MARY'S LN HOUSTON, TX 77079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.04% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.04% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| DELORES J KARISCH3 | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.04% |
| DAVID SHERMAN STUART ESTATE3 | C/O LISA SMITH NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIM PROCESSOR | Other services; Claims processing Service code 12 | — | $149K |
| MARSH & MCLENNAN LLC - HOUSTON EIN 26-3237576 BROKER | Other commissions Service code 55 | 2500 CITYWEST BLVD 2400 HOUSTON, TX 77042 | $0 |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $341K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $341K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $520K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $520K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $520K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.