| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 1.54% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 1.46% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEP | 1600 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$10K | -$5K | -$15K | -1.41% |
| GULF COAST INSURANCE AGENCY3 Filed as: GULF COAST INS AGENCY INC | PO BOX 7628 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $16K | 9.23% |
| JAMIE S POPE3 | 2025 COFFEY DR BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.64% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $517 | $1K | 0.79% |
| JAMIE S POPE3 | 2025 COFFEY DR BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $14K | $36K | 22.08% |
| GULF COAST INSURANCE AGENCY3 Filed as: GULF COAST INS AGENCY | PO BOX 7628 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $8K | $33K | 20.49% |
| DARIN POTTS3 | 100 DETERING ST #2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $17K | $30K | 18.22% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 6.59% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $139 | $5K | 2.78% |
| LINSI LEE WALKER3 | 925 GOODHUE RD BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $1 | $406 | 0.25% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $19 | $384 | 0.24% |
| EDWARD A ORAVETZ3 Filed as: EDWARD CARRION | 16918 OXNARD FRIENDSWOOD, TX 77546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| GULF COAST INSURANCE AGENCY3 Filed as: GULF COAST INS AGENCY INC | PO BOX 7628 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $7K | $30K | 20.09% |
| JAMIE S POPE3 | 2025 COFFEY DR BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $10K | $25K | 16.47% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $219 | $7K | 4.71% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | $460 | $1K | 0.80% |
| LINSI LEE WALKER3 | 925 GOODHUE RD BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.13% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $6 | $115 | 0.08% |
| DUSTY RACHE WILSON3 | 1255 SANDWOOD LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 0.02% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 12.56% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 1.34% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.04% |
| KIM S MILLER3 Filed as: KIM SCOTT MILLER | 2860 IH 10 EAST BEAUMONT, TX 77703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.12% |
| ALLEN BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.07% |
| ALLISON A WISE3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.02% |
| BRENNAN BAKER3 Filed as: BRENNAN DWAINE BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.40% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.82% |
| KIM S MILLER3 Filed as: KIM SCOTT MILLER | 2860 IH 10 EAST BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $983 | $0 | $983 | 1.81% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $723 | $0 | $723 | 1.33% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161 | $0 | $161 | 0.30% |
| ALLEN BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | $0 | $77 | 0.14% |
| ALLISON A WISE3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.04% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7 | $7 | 0.01% |
| BRENNAN BAKER3 Filed as: BRENNAN DWAINE BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.01% |
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 | 805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 1,594 | $79K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 585 | $624K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 580 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $1.0M |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 792 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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.
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.