| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $11K | $36K | 21.10% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $3K | $13K | 11.07% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.76% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $604 | $3K | 2.52% |
| REGINA SWINNEA3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $47 | $1K | 1.00% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N. CAVILLO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $847 | $66 | $913 | 0.77% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.13% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.06% |
| COMPASS CONSULTING AND BENEFITS INC3 | 1021 MAIN STREET, SUITE 1300 HOUSTON, TX 77002 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 75510 IH 10 WEST, SUITE 700 SAN ANTONIO, TX 78229 | HARTFORD LIFE AND ACCIDENT | $130 | — | $130 | 15.01% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 223 | $170 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $35K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 482 | $173K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 482 | $173K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 482 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.