| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $0 | $45K | 5.34% |
| ASSUREDPARTNERS3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $11K | $34K | 21.18% |
| ERIKA BROUSSARD3 | 2022 PECAN TRAIL DRIVE RICHMOND, TX 77406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $7K | $20K | 12.36% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $7K | $13K | 8.34% |
| ARGO EXPRESS LLC3 Filed as: ARGO EXPRESS, LLC | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 6.69% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 5.14% |
| M. G.H. VILLAESCUSA & OTHER AGENTS3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $707 | $7K | 4.22% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $552 | $3K | 1.67% |
| ASSUREDPARTNERS3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $318 | $1K | 10.69% |
| ERIKA BROUSSARD3 | 2022 PECAN TRAIL DRIVE RICHMOND, TX 77406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $651 | $261 | $912 | 8.13% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $304 | $211 | $515 | 4.59% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $198 | $75 | $273 | 2.43% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $49 | $199 | 1.77% |
| ARGO EXPRESS LLC3 Filed as: ARGO EXPRESS, LLC AND OTHER AGENTS | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $28 | $194 | 1.73% |
| HENRY LEE MCCARTY3 | 1414 RICHEY STREET, SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $1 | $126 | 1.12% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $24K | — |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 128 | $836K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $0 |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 144 | $170K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 128 | $836K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 242 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
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.