| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $821 | $821 | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $800 | $800 | 1.36% |
| JIM C. HARRIS & COMPANY, LLP3 | PO BOX 681276 HOUSTON, TX 772681276 | HUMANA INSURANCE COMPANY (DENTAL) | $3K | — | $3K | 9.99% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | — | $639 | 2.76% |
| JIM C. HARRIS & COMPANY, LLP3 | 14425 TORREY CHASE BLVD HOUSTON, TX 77014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 1.68% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD. MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.69% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL ANTHONY CHANLDER | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.44% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.17% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.16% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.14% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| HONORIO GUILLERMO AQUINO3 | 2802 CARLA DR ROWLETT, TX 75088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 24080 FT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DR DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JIM C. HARRIS & COMPANY, LLP3 | P.O. BOX 681276 HOUSTON, TX 772681276 | HUMANA INSURANCE COMPANY (VISION) | $2K | — | $2K | 10.00% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | — | $509 | 3.05% |
| JIM C. HARRIS & COMPANY, LLP3 | 14425 TORREY CHASE BLVD HOUSTON, TX 77014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 1.85% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD. MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.84% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.26% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.20% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.17% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.17% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| EMPLOYEE BENEFIT SPEC INC3 | 25511 BUDDE RD STE 1902 THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| JOHN ROE3 | 42006 MILL CREEK RD MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JIM C. HARRIS & COMPANY, LLP3 | PO BOX 681276 HOUSTON, TX 772681276 | DENTICARE, INC | $2K | — | $2K | 10.00% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 3.46% |
| JIM C. HARRIS & COMPANY, LLP3 | 14425 TORREY CHASE BLVD HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.21% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD. MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.06% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.87% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.38% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.19% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY (DENTAL) | 53 | $41K |
| Vision | HUMANA INSURANCE COMPANY (VISION) | 137 | $22K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $59K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.