| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B C STEVENSON GROUP LLC3 Filed as: BC STEVENSON GROUP LLC | 14800 ST MARYS LN 105 HOUSTON, TX 77079 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $68K | $69K | 3.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | UNITEDHEALCARE INSURANCE COMPANY | $36K | — | $36K | 17.80% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $124 | $5K | 7.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $288 | $3K | 4.54% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | $69 | $956 | 1.37% |
| MARIA LUGO-VALADEZ3 | 11427 SANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $880 | $64 | $944 | 1.36% |
| HONORIO GUILLERMO AQUINO3 Filed as: HONORIO AQUINO | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | $42 | $763 | 1.10% |
| JOHN J SWIDERSKI3 | 3316 SINGLELEAF LAND RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $210 | $509 | 0.73% |
| GARRETT HARRELSON3 | 3707 LAKEVIEW CT MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.26% |
| REGINA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.21% |
| ELDON EUGENE MALLAMS3 | 14950 SPRING LAKE DR HOUSTON, TX 77070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.13% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.06% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.06% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| JULIE LYN KELLY3 | 10911 WILLOWMIST DR HOUSTON, TX 77064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| JOHN ROE3 | 42006 MILL CREEK RD MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| EMPLOYEE BENEFIT SPEC INC3 | 25511 BUDDE RO STE 1902 THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| LEROY PHELPS3 | 7467 LINNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $581 | $6K | — |
| KELLY MELISSA RUSHING3 Filed as: KELLY RUSHING | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $789 | $6K | — |
| TROY J PALMER3 Filed as: TROY PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $886 | $4K | — |
| JOAN TERRELL3 | 10 WHIPPOORWILL DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $1K | $2K | — |
| ROBERT J HUMPHREY3 Filed as: ROBERT HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $527 | $523 | $1K | — |
| GARY P QUANDT3 Filed as: GARY QUANDT | 3206 YORKTOWN DR SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $686 | $99 | $785 | — |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $699 | $2 | $701 | — |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $46 | $569 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | — | $504 | — |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $5 | $266 | — |
| LEONIDES H VILLA3 Filed as: LEONIDES VILLA | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | — | $254 | — |
| JOHN SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $94 | $229 | — |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | — |
| B C STEVENSON GROUP LLC3 Filed as: BC STEVENSON GROUP LLC | 14800 ST MARYS LANE HOUSTON, TX 77079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $7 | $68 | — |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $7 | $67 | — |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | — |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | UNITEDHEALCARE INSURANCE COMPANY | 298 | $271K |
| Short-term disability | UNITEDHEALCARE INSURANCE COMPANY | 298 | $202K |
| Long-term disability | UNITEDHEALCARE INSURANCE COMPANY | 298 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.