| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 3.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | $25K | $14K | $39K | 16.40% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $920 | $110 | $1K | 7.90% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | — | $566 | 4.34% |
| PLUMHOFF AND ASSOCIATES, INC.3 Filed as: PLUMHOFF & ASSOCIATES INC. | 1220 AUGUSTA DRIVE SUITE 300 HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 2.42% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 1.40% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 400 EAST KALISTE SALOOM ROAD LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.40% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 418 | $249K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 418 | $249K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 418 | $236K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.0M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 418 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.