| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCSG INSURANCE SERVICES LLC3 | 1155 DAIRY ASHFORD HOUSTON, TX 77079 | AENTA LIFE INSURANCE COMPANY | $10K | — | $10K | 0.52% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN GIDDINGS, TX 76942 | AENTA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| B C STEVENSON GROUP LLC3 Filed as: BC STEVENSON GROUP LLC | 22002 ERINCREST COURT KATY, TX 77450 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 16.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $254 | $254 | 0.24% |
| KELLY MELISSA RUSHING3 Filed as: KELLY RUSHING | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $609 | $4K | 4.53% |
| TROY J PALMER3 Filed as: TROY PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $699 | $4K | 3.79% |
| BRIAN C STEVENSON3 | 1155 DAIRY ASHFORD HOUSTON, TX 77079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN ST GIDDINGS, TX 78942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | $545 | $1K | 1.10% |
| THOMAS SNYDER | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $362 | $792 | 0.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $693 | $3 | $696 | 0.73% |
| ROBERT J HUMPHREY3 Filed as: ROBERT HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 0.51% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | 28918 TWISTED OAKS DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.31% |
| JOAN TERRELL3 | 10 WHIPPOORWILL DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.30% |
| SWIDPRO LLC3 Filed as: SWIDPRO | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $2 | $248 | 0.26% |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.17% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.09% |
| GALE SIMPSON3 | 705 VILLAGE WAY NEW BRAUNFELS, TX 78130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.08% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.07% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | 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% |
| ROSALINDA BENTANCUR RODRIGUEZ3 Filed as: ROSALINDA BENTACUR RODRIGUEZ | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.11% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | $330 | $1K | 1.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| JULIE LYN KELLY3 | 10911 WILLOWMIST DR HOUSTON, TX 77064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $749 | — | $749 | 0.95% |
| BRADLEY STEPHEN BYERS | 12523 ASTOIA BLVA HOUSTON, TX 77089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.27% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LAND RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.26% |
| 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 | $164 | — | $164 | 0.21% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.05% |
| MARIA LUGO-VALADEZ3 | 11427 SANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| LEROY PHELPS3 | 7467 LINNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| JOHN ROE3 | 42006 MILL CREEK RD MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| EMPLOYEE BENEFIT SPEC INC3 | 25511 BUDDE RD STE 1902 THE WOODLANDS, TX 77380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-HOUSTON | 200 GALLERIA PKWY STE 1950 ATLANTA, AA 30339 | UNITIED HEALTHCARE | — | — | $0 | — |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN ST GIDDINGS, TX 30339 | UNITIED HEALTHCARE | — | — | $0 | — |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AENTA LIFE INSURANCE COMPANY | 396 | $1.9M |
| Dental(2 contracts, 2 carriers) | AENTA LIFE INSURANCE COMPANY | 396 | $1.9M |
| Vision | AENTA LIFE INSURANCE COMPANY | 362 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 270 | $282K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 270 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 270 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.