| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, STE 340 HOUSTON, TX 770241412 | BLUECROSS BLUESHIELD OF TEXAS | $46K | — | $46K | 4.86% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, STE 340 HOUSTON, TX 770241412 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.50% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, STE 340 HOUSTON, TX 770241412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 30.32% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $888 | $7K | 15.03% |
| DOMINIC RODRIGUEZ3 | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $243 | $3K | 6.99% |
| LYNN DEE BAKER3 | 21899 VALLEY RANCH CROSSING DR. PORTER, TX 77365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $325 | $3K | 5.54% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $909 | $999 | $2K | 4.20% |
| MARIA P LIPSCOMB3 Filed as: MARIA P. LIPSCOMB | 6103 CALDERWOOD ST. SAN ANTONIO, TX 78249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.09% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 142 | $939K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $100K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $145K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $100K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.