| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $78K | — | $78K | 12.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $2K | $9K | 20.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $7K | — | $7K | 16.59% |
| CARLA DIANNE MOFFATT3 | P.O. BOX 1320 FRIENDSWOOD, TX 77549 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $821 | $4K | 11.26% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $983 | $1K | $2K | 5.71% |
| ALYSSA MARIE WYBLE3 | 2780 NORTHERN DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $222 | $2K | 4.58% |
| BELINDA ZARATE3 | 1201 E DAFFODIL, UNIT C MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $202 | $2K | 4.13% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $970 | $320 | $1K | 3.23% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIR HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE | $927 | — | $927 | 2.32% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE | $863 | — | $863 | 2.16% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE | $763 | $85 | $848 | 2.12% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE | $356 | $346 | $702 | 1.76% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE & ACCIDENT INSURANCE | $429 | $187 | $616 | 1.54% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $356 | $176 | $532 | 1.33% |
| CYNTHIA S MCGUIRE3 | 900 W DAVIS #203 CONROE, TX 77301 | COLONIAL LIFE & ACCIDENT INSURANCE | $347 | — | $347 | 0.87% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFIT SOLUTIONS LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE | $142 | $6 | $148 | 0.37% |
| MICHAEL ERVIN STEWART3 | 19534 GLADEWATER DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $55 | — | $55 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INSURANCE | $6K | — | $6K | 17.73% |
| CARLA DIANNE MOFFATT3 | P.O. BOX 1320 FRIENDSWOOD, TX 77549 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $745 | $4K | 11.38% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $946 | $1K | $2K | 6.12% |
| ALYSSA MARIE WYBLE3 | 2780 NORTHERN DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $196 | $2K | 4.53% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $394 | $2K | 4.43% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | — | $2K | 4.25% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE | $857 | $95 | $952 | 2.66% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE | $349 | $339 | $688 | 1.92% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE & ACCIDENT INSURANCE | $454 | $198 | $652 | 1.82% |
| BELINDA ZARATE3 | 1201 E DAFFODIL, UNIT C MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE | $567 | $79 | $646 | 1.80% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $349 | $172 | $521 | 1.45% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIR HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE | $450 | — | $450 | 1.26% |
| CYNTHIA S MCGUIRE3 | 900 W DAVIS #203 CONROE, TX 77301 | COLONIAL LIFE & ACCIDENT INSURANCE | $418 | — | $418 | 1.17% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFIT SOLUTIONS LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE | $70 | $3 | $73 | 0.20% |
| MICHAEL ERVIN STEWART3 | 19534 GLADEWATER DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $67 | — | $67 | 0.19% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| MAXIM INSURANCE SERVICES INC3 | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $1K | $5K | 19.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | $812 | $216 | $1K | 19.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Direct payment from the plan; Claims processing; Float revenue; Participant communication; Named fiduciary; Plan Administrator; Contract Administrator; Non-monetary compensation; Other services Service code 12 | — | $37K |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $618K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $618K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $618K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 161 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 54 | $25K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 161 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.