| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN FERGUSON, INC.3 Filed as: JOHN FERGUSON INC. | 1503 ELKINS LANE CEDAR PARK, TX 78613 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 8.61% |
| LAKE TRAVIS INS. AND FINANCIAL SVCS3 Filed as: LAKE TRAVIS INS. AND FIN. SVCS. | 113 COLD WATER LANE LAKEWATER, TX 78734 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.85% |
| JOHN FERGUSON, INC.3 Filed as: JOHN FERGUSON INC. | UNKNOWN LAKEWAY, TX 78734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.99% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $80 | $692 | 3.50% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $42 | $277 | 1.40% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $36 | $210 | 1.06% |
| WAYNE JAMES PITRIE3 Filed as: WAYNE JAMES PITRIE AND OTHER AGENTS | 9737 BELVYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $1 | $185 | 0.94% |
| 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 | $140 | $0 | $140 | 0.71% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $1 | $76 | 0.38% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $268K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $268K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $287K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $268K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $268K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.