| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.20% |
| MANUEL FUENTES3 | 19327 TALAVERA RIDGE SAN ANTONIO, TX 78257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $965 | $376 | $1K | 1.96% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $961 | $290 | $1K | 1.83% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $848 | $375 | $1K | 1.79% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $667 | $396 | $1K | 1.55% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $934 | — | $934 | 1.36% |
| 3B VENTURE GROUP INC3 | 4915 VERGANO VILLA DRIVE KATY, TX 77493 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $41 | $622 | 0.91% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $254 | $132 | $386 | 0.56% |
| CLARA VICE3 | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 0.53% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.43% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $145 | $272 | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 0.39% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $81 | $145 | 0.21% |
| REGINA SWINNEA3 | 15650 WALDON ROAD #3106 MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.13% |
| ROSS LAPHAM3 | 2319 CRIMSON VALLEY COURT KINGWOOD, TX 77345 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.12% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LN, APT 2020 IRVING, TX 75061 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.08% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.07% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DRIVE FORNEY, TX 75126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| CONNIE L. LARSEN3 Filed as: CONNIE L LARSEN | 18111 BROOKWOOD FOREST SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GRISELDA DE HOYOS3 | 562 BLAZE AVE SAN ANTONIO, TX 78218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID W HOUK3 | 1826 EAST RANCH ROAD TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DRIVE SHREVEPORT, TX 71105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.61% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $48 | $2K | 2.80% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $771 | $458 | $1K | 2.06% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $729 | $0 | $729 | 1.22% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP, INC. | 4915 VERGANO VILLA DRIVE KATY, TX 77493 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $662 | $46 | $708 | 1.18% |
| DARIN POTTS3 | 10 DETERING STREET, APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $361 | $627 | 1.05% |
| ROGER LAPHAM3 | P.O. BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 0.91% |
| VERA ANN PAREDES3 | P.O. BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $324 | $0 | $324 | 0.54% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 0.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | P.O. BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 0.43% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.32% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $95 | $169 | 0.28% |
| CLARA VICE3 | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.27% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLAND DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.25% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $8 | $137 | 0.23% |
| SANTIAGO OCHOA3 | 2120 EL PASEO, UNIT 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.23% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.15% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LANE APT. 2020 IRVING, TX 75061 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.07% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| VICKIE SUSAN ELIZARDO3 | 6315 RAY ROAD PASADENA, TX 77505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.04% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| CATHERINE RACHEL WARNER3 | 3002 CLOVERDALE DRIVE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| ROSS LAPHAM3 | 2319 CRIMSON VALLEY COURT KINGWOOD, TX 77345 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.04% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $654 | $654 | 5.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATO | Plan Administrator; Claims processing Service code 12 | 731 N TAYLOR AMARILLO, TX 79350 | $64K |
| CIGNA HEALTH AND INS CO EIN 59-1031071 SERVICE PROVIDER | Other services Service code 49 | PO BOX 645014 CINCINNATI, OH 06002 | $33K |
| TFG FINANCIAL GROUP BENEFITS EIN 61-1588503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | $8K |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SPECTRUM UNDERWRITING MANAGERS INC | 161 | $306K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $21K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $21K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 161 | $153K |
| Prescription drug | SPECTRUM UNDERWRITING MANAGERS INC | 161 | $306K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 161 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.