| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $113K | $3K | $115K | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 14.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.17% |
| ACCESS BENEFIT SOLUTIONS LLC3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $63 | $2K | 3.05% |
| THOMAS E. BRANDA3 Filed as: THOMAS EDWARD BRANDA | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY DALLAS, TX 75240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $982 | $60 | $1K | 1.75% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $789 | $15 | $804 | 1.35% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $658 | $72 | $730 | 1.23% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, INC. | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $67 | $326 | 0.55% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BNFT SOL. AND OTHER AGENTS | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $10 | $87 | 0.15% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 369 | $2.2M |
| Vision | STANDARD INSURANCE COMPANY | 245 | $152K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $212K |
| Short-term disability | STANDARD INSURANCE COMPANY | 245 | $152K |
| Long-term disability | STANDARD INSURANCE COMPANY | 245 | $152K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 369 | $2.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.