| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIRN ADVISORS, LLC3 Filed as: CAIRN ADVISIORS, LLC | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | — | $58K | 10.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $12K | $22K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $1K | $55 | $1K | 10.48% |
| PHILIP LEONARD TUCKER3 Filed as: PHILIP LEONAR TUCKER | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $480 | — | $480 | 3.74% |
| PAUL JARAMILLO3 Filed as: PAUL JARMILLO | 603 S AVE L CLIFTON, TX 76634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $94 | $11 | $105 | 0.82% |
| SABRINA KAYE LYNCH3 | 1208 DEXFORD DR AUSTIN, TX 78753 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $71 | $33 | $104 | 0.81% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $29 | $58 | $87 | 0.68% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $82 | — | $82 | 0.64% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $77 | — | $77 | 0.60% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $59 | — | $59 | 0.46% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $23 | — | $23 | 0.18% |
| TIMOTHLY COBB3 | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $7 | $12 | $19 | 0.15% |
| CHARLENE CASTILLO3 | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $18 | — | $18 | 0.14% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $11 | — | $11 | 0.09% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $11 | — | $11 | 0.09% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $7 | $3 | $10 | 0.08% |
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 | 402 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $543K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $543K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $543K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $543K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $543K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.