| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCSG INSURANCE SERVICES LLC3 | 1155 DAIRY ASHFORD HOUSTON, TX 77079 | AENTA LIFE INSURANCE COMPANY | $88K | — | $88K | 3.98% |
| BCSG INSURANCE SERVICES LLC3 | 10242 GREENHOUSE RD CYPRESS, TX 77433 | AENTA LIFE INSURANCE COMPANY | $30K | — | $30K | 1.37% |
| B C STEVENSON GROUP LLC3 Filed as: BC STEVENSON GROUP LLC | 10242 GREENHOUSE RD STE 1401 CYPRESS, TX 77433 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 16.67% |
| KELLY MELISSA RUSHING3 Filed as: KELLY RUSHING | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 7.38% |
| TROY J PALMER3 Filed as: TROY PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.95% |
| BRIAN C STEVENSON3 | 10242 GREENHOUSE RD CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.77% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY RD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $763 | $731 | $1K | 1.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | — | $577 | 0.56% |
| ROBERT J HUMPHREY3 Filed as: ROBERT HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 0.36% |
| THOMAS SNYDER | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $11 | $280 | 0.27% |
| JOAN TERRELL3 | 10 WHIPPOORWILL DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | — | $258 | 0.25% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | 28918 TWISTED OAKS DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.23% |
| THE NITSCHE GROUP INC3 | 143 E AUSTIN ST GIDDINGS, TX 78942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.19% |
| SWIDPRO LLC3 Filed as: SWIDPRO | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.19% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.12% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.07% |
| GALE SIMPSON3 | 69 CARPIN CIRCLE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.05% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.05% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 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 | 7.16% |
| JULIE LYN KELLY3 | 10911 WILLOWMIST DR HOUSTON, TX 77064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $6 | $1K | 1.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.29% |
| BRADLEY STEPHEN BYERS | 11111 BROOK MILL CT HOUSTON, TX 77065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $617 | — | $617 | 0.70% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LAND RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.22% |
| 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 | $158 | — | $158 | 0.18% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| LEROY PHELPS3 | 102 BENT TREE DR BOERNE, TX 78006 | 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% |
| MARIA LUGO-VALADEZ3 | 11427 SANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| EMPLOYEE BENEFIT SPEC INC3 | 25511 BUDDE RD STE 1902 THE WOODLANDS, TX 77380 | 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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AENTA LIFE INSURANCE COMPANY | 354 | $2.2M |
| Dental | AENTA LIFE INSURANCE COMPANY | 354 | $2.2M |
| Vision | AENTA LIFE INSURANCE COMPANY | 354 | $2.2M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 273 | $299K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 273 | $108K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 273 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
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.