| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 11.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $526 | $4K | 2.42% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $371 | $4K | 2.31% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 1.80% |
| NORMA R WARNER3 | 4705 STILL MEADOWS ST LIBERTY, TX 77575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $348 | $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 | 0.63% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $271 | $1K | 0.57% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $316 | $794 | 0.45% |
| JOHN HARMATUK3 | 17715 FIRESIDE DR SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | — | $669 | 0.38% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | — | $567 | 0.32% |
| THOMAS SNYDER3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $57 | $129 | 0.07% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.07% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFITS SOLUTION LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.07% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.05% |
| JOANNE MIDDLETON3 | 14825 ST MARY'S LN HOUSTON, TX 77079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.05% |
| MJ INSURANCE3 Filed as: SALAZAR INSURANE GROUP LLC | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.05% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.04% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.04% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.04% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| DELORES J KARISCH3 | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.03% |
| DAVID SHERMAN STUART ESTATE3 | C/O LISA SMITH NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM PROCESSOR | Other services; Contract Administrator; Participant communication; Named fiduciary; Direct payment from the plan; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $168K |
| MARSH & MCLENNAN LLC - HOUSTON EIN 26-3237576 BROKER | Other commissions Service code 55 | 2500 CITYWEST BLVD 2400 HOUSTON, TX 77042 | $99K |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $348K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $348K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $526K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $526K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $526K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 411 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.