| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 6.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC. | 18050 SATURN LANE HOUSTON, TX 77058 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 4.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 2.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | — | $4K | 8.10% |
| CARLA DIANNE MOFFATT3 | P.O. BOX 1320 FRIENDSWOOD, TX 77549 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $1K | $3K | 6.27% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $561 | $2K | 3.92% |
| ALYSSA MARIE WYBLE3 | 2780 NORTHERN DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | — | $1K | 2.06% |
| BELINDA ZARATE3 | 10134 WATERSTONE DR HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE | $788 | — | $788 | 1.62% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIR HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE | $673 | $1 | $674 | 1.38% |
| BRIDGETTE JORDAN | 1610 BUCKWOOD CT FRESNO, TX 77545 | COLONIAL LIFE & ACCIDENT INSURANCE | $367 | $5 | $372 | 0.76% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $218 | — | $218 | 0.45% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE | $102 | $39 | $141 | 0.29% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE | $138 | — | $138 | 0.28% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $102 | $14 | $116 | 0.24% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFIT SOLUTIONS LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE | $105 | $1 | $106 | 0.22% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE | $93 | — | $93 | 0.19% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE & ACCIDENT INSURANCE | $82 | $7 | $89 | 0.18% |
| CYNTHIA S MCGUIRE3 | 900 W DAVIS #203 CONROE, TX 77301 | COLONIAL LIFE & ACCIDENT INSURANCE | $29 | $1 | $30 | 0.06% |
| MICHAEL ERVIN STEWART3 | 19534 GLADEWATER DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | — | $3K | 6.37% |
| CARLA DIANNE MOFFATT3 | P.O. BOX 1320 FRIENDSWOOD, TX 77549 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $607 | $2K | 4.38% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $751 | $259 | $1K | 2.50% |
| ALYSSA MARIE WYBLE3 | 2780 NORTHERN DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE | $641 | — | $641 | 1.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE | $571 | $19 | $590 | 1.46% |
| BELINDA ZARATE3 | 10134 WATERSTONE HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE | $382 | — | $382 | 0.94% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIR HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE | $280 | — | $280 | 0.69% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $237 | — | $237 | 0.59% |
| BRIDGETTE JORDAN3 | 1610 BUCKWOOD CT FRESNO, TX 77545 | COLONIAL LIFE & ACCIDENT INSURANCE | $201 | $3 | $204 | 0.50% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE | $155 | — | $155 | 0.38% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE | $132 | — | $132 | 0.33% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE | $93 | $37 | $130 | 0.32% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $93 | $14 | $107 | 0.26% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE & ACCIDENT INSURANCE | $60 | $5 | $65 | 0.16% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFIT SOLUTIONS LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE | $42 | — | $42 | 0.10% |
| CYNTHIA S MCGUIRE3 | 900 W DAVIS #203 CONROE, TX 77301 | COLONIAL LIFE & ACCIDENT INSURANCE | $33 | $1 | $34 | 0.08% |
| MICHAEL ERVIN STEWART3 | 19534 GLADEWATER DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.01% |
| 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 | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 7.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1925 FREDERICA ST OWENSBORO, KY 42301 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 3.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LN STE 200 HOUSTON, TX 77058 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 3.71% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | — | $1K | $1K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 7.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LN STE 200 HOUSTON, TX 77058 | UNITED OF OMAHA LIFE INSURANCE CO | $862 | — | $862 | 3.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 1925 FREDERICA ST OWENSBORO, KY 42301 | UNITED OF OMAHA LIFE INSURANCE CO | $830 | — | $830 | 3.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | — | $655 | $655 | 2.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $416 | — | $416 | 7.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LN STE 200 HOUSTON, TX 77058 | UNITED OF OMAHA LIFE INSURANCE CO | $195 | — | $195 | 3.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1925 FREDERICA ST OWENSBORO, KY 42301 | UNITED OF OMAHA LIFE INSURANCE CO | $185 | — | $185 | 3.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE CO | — | $135 | $135 | 2.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator; Non-monetary compensation; Other services; Participant communication; Float revenue Service code 12 | — | $32K |
| CIGNA HEALTH AND LIFE INSURANCE | Float revenue; Claims processing; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM | Contract Administrator; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan Service code 12 | — | $0 |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $662K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $662K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $662K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 176 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 59 | $22K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 176 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.