| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 427 WEST 20TH SUITE, SUITE 500 HOUSTON, TX 77008 | BLUECROSS BLUESHIELD OF TEXAS | $39K | $931 | $40K | 6.49% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 1111 NORTH LOOP WEST, SUITE 600 HOUSTON, TX 77008 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.34% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 4.49% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 1111 NORTH LOOP WEST, SUITE 600 HOUSTON, TX 77008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.77% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $0 | $536 | 1.98% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $0 | $375 | 1.38% |
| ROGER GARZA3 | 1322 PINE BROOK TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS, INC. | 5222 FM 1960 WEST, SUITE 175 HOUSTON, TX 77069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.10% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.06% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 93 | $613K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 93 | $613K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 112 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 112 | $30K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $27K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 93 | $613K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 112 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.