| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 5.95% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.98% |
| TERRY B. SHALLINGTON3 | 14714 TIMBERGREEN DRIVE MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.73% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY MUNOZ-PHILLIPS AND OTHER AGENT | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.72% |
| RUBY STA ANA PENA3 Filed as: RUBY S. PENA | 12218 MEADOW LANE COURT STAFFORD, TX 77477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.94% |
| MARIO SILVA3 | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $855 | $0 | $855 | 0.52% |
| TYLER VAUGHN3 Filed as: TYLER W. VAUGHN | 1702 MOSTON DRIVE SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $786 | $0 | $786 | 0.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $22K | $8K | $30K | 20.52% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | $0 | $785 | 3.78% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $0 | $328 | 1.58% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $0 | $190 | 0.92% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.18% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| REGINA SWINNEA3 | 15650 WALDEN ROAD, SUITE 3106 MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 2.88% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.97% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.79% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.16% |
| SANTIAGO OCHOA3 | 2120 EL PASEO, SUITE 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.13% |
| REGINA SWINNEA3 | 15650 WALDEN ROAD, SUITE 3106 MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.11% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 75510 IH 10 WEST, SUITE 700 SAN ANTONIO, TN 78229 | HARTFORD LIFE AND ACCIDENT | $130 | $19 | $149 | 17.21% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $229K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $197K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 304 | $177K |
| Short-term disability(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 249 | $195K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 304 | $144K |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 304 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.