| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $5K | $31K | 17.95% |
| MELISSA LYNNETTE FORSTER3 Filed as: MELISSA L. FORSTER AND OTHER AGENTS | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 11.34% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 9.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 7.94% |
| RUBY STA ANA PENA3 Filed as: RUBY S. PENA | 12218 MEADOW LANE COURT STAFFORD, TX 77477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 5.51% |
| DORTHY HARDY-KLEIN3 | 10440 DEERWOOD ROAD APARTMENT 212 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 5.37% |
| MARY C HALQUIST3 Filed as: MARY H. MUNOZ-PHILLIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.58% |
| CYNTHIA HILBORN3 Filed as: CYNTHIA A. HILBORN | 12322 HEALTHER WICK DRIVE CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.76% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 3.84% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AGENCY INC. | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.18% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $1 | $364 | 0.94% |
| MARYSOL N. CALVILLO3 | 5026 LANGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.18% |
| REGINA SWINNEA3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $18 | $542 | 3.46% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AGENCY INC. | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $442 | $0 | $442 | 2.82% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $2 | $137 | 0.87% |
| MARYSOL N. CALVILLO3 | 5026 LANGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.25% |
| REGINA SWINNEA3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.24% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.11% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 75510 IH 10 WEST, SUITE 700 SAN ANTONIO, TX 78229 | HARTFORD LIFE AND ACCIDENT | $130 | $43 | $173 | 19.98% |
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 | 613 | 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) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $234K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $192K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 476 | $187K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 221 | $150K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 476 | $172K |
| Other(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 613 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.