| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMORE HOUSTON, TX 77043 | CIGNA | $41K | $3K | $44K | 13.45% |
| VISICOR INC | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 8.62% |
| LYNDA TANNER | PO BOX 1225 SEABROOK, TX 77586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.08% |
| SHARON LEA HART | 3220 SALISBURY CT FRIENDSWOOD, TX 77546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.52% |
| PROFESSIONAL ENROLLMENT CONCEPTS | 7922 WESTGLEN DRIVE HOUSTON, TX 77063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| DARIN POTTS | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $649 | $2K | 1.30% |
| SA GENERAL AGENCY INC Filed as: SA GENERAL AGENCY | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $762 | — | $762 | 0.50% |
| RUST EWING WATT & HANEY | 7900 LOWRY EXPRESSWAY TEXAS CITY, TX 77591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | — | $475 | 0.31% |
| MICHAEL SNYDER Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| HORIZON BENEFITS LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| BENEFIT CONCEPTS INC | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 11.49% |
| MARSH & MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 19.66% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENC LLC | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 26.31% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 116 | $325K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $106K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $106K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $106K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $151K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.