| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FWY STE 150 HOUSTON, TX 77002 | BLUECROSS BLUESHIELD OF TEXAS | $138K | $32 | $138K | 4.12% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77002 | BLUECROSS BLUESHIELD OF TEXAS | $14K | $3 | $14K | 0.40% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 7.23% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 5.54% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $23K | $23K | 4.53% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 16.40% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9545 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 12.70% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CRK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | $673 | $2K | 5.51% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $417 | $1K | 4.11% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $312 | $645 | 2.28% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $386 | $514 | 1.82% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON | 9575 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 1.67% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $86 | $432 | 1.53% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $48 | $176 | 0.62% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 8144 WALNUT HILL DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 301598 DALLAS, TX 75303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| PATRICK ALLEN BAKER3 | 4606 WINCHESTER DR BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.03% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 559 | $3.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 651 | $515K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 651 | $515K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 651 | $544K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 651 | $515K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 651 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.