| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $135K | $3K | $138K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 14.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 3.21% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFIT SOLUTIONS, LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.27% |
| THOMAS E. BRANDA3 Filed as: THOMAS EDWARD BRANDA | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY DALLAS, TX 75240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $997 | $57 | $1K | 2.15% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $823 | $0 | $823 | 1.68% |
| DARIN POTTS3 | 100 DETERING STREET, SUITE 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $576 | $164 | $740 | 1.51% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $90 | $376 | 0.77% |
| MJ INSURANCE3 Filed as: TINA M. KIRKLAND AND VARIOUS AGENTS | 2690 THOMAS ROAD BEAUMONT, TX 77706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $6 | $88 | 0.18% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 419 | $2.8M |
| Vision | STANDARD INSURANCE COMPANY | 297 | $202K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 297 | $251K |
| Short-term disability | STANDARD INSURANCE COMPANY | 297 | $202K |
| Long-term disability | STANDARD INSURANCE COMPANY | 297 | $202K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 419 | $2.8M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 297 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.