| 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 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.11% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| TERRY B. SHALLINGTON3 | 14714 TIMBERGREEN DRIVE MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.12% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERSON, LLC AND AGENTS | 211 HIGHLAND CROSS DRIVE, SUITE 112 HOUSTON, TX 77073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.72% |
| RUBY STA ANA PENA3 Filed as: RUBY S. PENA | 12218 MEADOW LANE COURT STAFFORD, TX 77477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $515 | $0 | $515 | 0.36% |
| MARIO SILVA3 | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | $0 | $480 | 0.34% |
| TYLER VAUGHN3 Filed as: TYLER W. VAUGHN | 1702 MOSTON DRIVE SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $416 | $0 | $416 | 0.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.39% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $769 | $0 | $769 | 29.76% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 4.99% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.32% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.15% |
| SANTIAGO OCHOA3 | 2120 EL PASEO, UNIT 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.15% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 75510 IH 10TH WEST, SUITE 700 SAN ANTONIO, TX 78229 | HARTFORD LIFE AND ACCIDENT | $130 | $11 | $141 | 16.28% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $162K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 298 | $131K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 251 | $145K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 298 | $128K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 298 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.