| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $111K | $0 | $111K | 0.91% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | UNKNOWN HOUSTON, TX 77051 | BLUECROSS BLUESHIELD OF TEXAS | $53K | $7K | $61K | 0.49% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97K | $25K | $122K | 9.40% |
| FIDELITY BENEFITS AND INSURANCE3 Filed as: FIDELITY BENEFITS & INSURANCE SVCS. | 1259 LOOP 337 NEW BRAUNFELS, TX 78130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $29K | $52K | 29.09% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $37K | $43K | 24.03% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.40% |
| ROBERT JAMES SHIMANEK3 Filed as: ROBERT JAMES SHIMANEK LII | 2409 WALSH DRIVE ROUND ROCK, TX 78681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.33% |
| NOHELIA POSADA MCCRANN3 Filed as: NOHELIA P. MCCRANN AND OTHER AGENTS | 4639 CORONA DRIVE, SUITE 37 CORPUS CHRISTI, TX 78411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $380 | $2K | 1.23% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD, SUITE 200 SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | $168 | $556 | 0.31% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS, LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $0 | $358 | 0.20% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 16.25% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM INSURANCE COMPANY | $5K | $641 | $6K | 12.81% |
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 | 1,216 | 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) | 1,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,685 | $12.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,216 | $1.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,216 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,216 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $93K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,216 | $1.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,685 | $12.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,216 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,685 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.