| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKE TRAVIS INS. AND FINANCIAL SVCS3 Filed as: LAKE TRAVIS INSURANCE AND FINANCIAL | 113 COLD WATER LANE LAKEWAY, TX 78734 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.69% |
| LAKE TRAVIS INS AND FIN SERVICES IN3 | 113 COLD WATER LANE LAKEWAY, TX 78734 | HUMANADENTAL INSURANCE COMPANY | $10K | $0 | $10K | 9.96% |
| LAKE TRAVIS INS AND FIN SERVICES IN3 | 113 COLD WATER LANE LAKEWAY, TX 78734 | COMPBENEFITS INSURANCE COMPANY | $4K | $0 | $4K | 19.25% |
| LAKE TRAVIS INS. AND FINANCIAL SVCS3 Filed as: LAKE TRAVIS INSURANCE AND FINANCIAL | 113 COLD WATER LANE LAKEWAY, TX 78734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.28% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $725 | $152 | $877 | 4.55% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $80 | $292 | 1.51% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $248 | $38 | $286 | 1.48% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $16 | $227 | 1.18% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $18 | $142 | 0.74% |
| WAYNE JAMES PITRIE3 Filed as: WAYNE JAMES PITRIE AND VARIOUS AGEN | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.63% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 186 | $99K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 164 | $22K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $129K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $110K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $110K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.