| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMETRIUS G NAVARRO3 Filed as: DEMETRIUS GERALDO NAVARRO | 7155 OLD KATY ROAD STE N245 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $63K | — | $63K | 4.63% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.90% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.53% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FWY STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| DEMETRIUS G NAVARRO3 | 9235 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $160 | $1K | 12.84% |
| DEMETRIUS G NAVARRO3 Filed as: DEMETRIUS GERALDO NAVARRO | 7155 OLD KATY RD N245 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | — | $856 | 8.93% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $63 | $274 | 2.86% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 1.05% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.79% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINTE DR KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.08% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 132 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $67K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36 | $13K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.