| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-HOUSTON | 200 GALLERIA PKWY STE 1950 ATLANTA, AA 30339 | UNITIED HEALTHCARE | $4K | $83K | $87K | 4.48% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN ST GIDDINGS, TX 30339 | UNITIED HEALTHCARE | $304 | $14K | $15K | 0.76% |
| BCSG INSURANCE SERVICES LLC3 | 1155 DAIRY ASHFORD HOUSTON, TX 77079 | AENTA LIFE INSURANCE COMPANY | $67K | — | $67K | 3.60% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN GIDDINGS, TX 76942 | AENTA LIFE INSURANCE COMPANY | $15K | — | $15K | 0.83% |
| B C STEVENSON GROUP LLC3 Filed as: BC STEVENSON GROUP LLC | 22002 ERINCREST COURT KATY, TX 77450 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.54% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN GIDDINGS, TX 78942 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $32 | — | $32 | 0.03% |
| KELLY MELISSA RUSHING3 Filed as: KELLY RUSHING | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $884 | $4K | 4.60% |
| SWIDPRO LLC3 Filed as: SWIDPRO | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $52 | $3K | 3.45% |
| TROY J PALMER3 Filed as: TROY PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $37 | $2K | 2.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $240 | $2K | 2.24% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN ST GIDDINGS, TX 78942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $617 | $951 | 1.07% |
| THOMAS SNYDER | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $295 | $731 | 0.82% |
| ROBERT J HUMPHREY3 Filed as: ROBERT HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | — | $557 | 0.63% |
| JOAN TERRELL3 | 10 WHIPPOORWILL DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 0.46% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.37% |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.27% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON INSURANCE SVC | 15305 DALLAS PKWAY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.17% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.14% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.12% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.11% |
| GARY P QUANDT3 Filed as: GARY QUANDT | 3206 YORKTOWN DR SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| LEONIDES H VILLA3 Filed as: LEONIDES VILLA | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| JOHN SWIDERSKI3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3 | $5K | 5.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $81 | $2K | 2.00% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $853 | $7 | $860 | 1.08% |
| JULIE LYN KELLY3 | 10911 WILLOWMIST DR HOUSTON, TX 77064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $724 | $2 | $726 | 0.91% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LAND RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $56 | $311 | 0.39% |
| HONORIO GUILLERMO AQUINO3 Filed as: HONORIO AQUINO | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.18% |
| MARIA LUGO-VALADEZ3 | 11427 SANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.06% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| EMPLOYEE BENEFIT SPEC INC3 | 25511 BUDDE RD STE 1902 THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| LEROY PHELPS3 | 7467 LINNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JOHN ROE3 | 42006 MILL CREEK RD MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| DENNIS L HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON INSURNCE SVC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| REGINA SWINNEA3 | 15650 WALDEN RD 3106 MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ELDON EUGENE MALLAMS3 | 14950 SPRING LAKE DR HOUSTON, TX 77070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| GARRETT HARRELSON3 | 3707 LAKEVIEW CT MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOHN J SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITIED HEALTHCARE | 617 | $3.8M |
| Dental(2 contracts, 2 carriers) | UNITIED HEALTHCARE | 617 | $3.8M |
| Vision | AENTA LIFE INSURANCE COMPANY | 617 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $279K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $111K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.