| 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 | $3K | $64 | $3K | 4.74% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $932 | — | $932 | 1.49% |
| CLARA VICE3 | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $698 | — | $698 | 1.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | — | $379 | 0.60% |
| 3B VENTURE GROUP INC3 | 4915 VERGANO VILLA DRIVE KATY, TX 77493 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 0.55% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 0.47% |
| MANUEL FUENTES3 | 19327 TALAVERA RIDGE SAN ANTONIO, TX 78257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | $30 | $297 | 0.47% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $32 | $205 | 0.33% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $20 | $178 | 0.28% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $24 | $174 | 0.28% |
| ROSS LAPHAM3 | 2247 KINGS TRAIL KINGWOOD, TX 73339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.14% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.08% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $4 | $38 | 0.06% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.06% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $18 | $29 | 0.05% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DRIVE FORNEY, TX 75126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 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% |
| 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 | $3K | $75 | $3K | 6.18% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 0.99% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP, INC. | 4915 VERGANO VILLA DRIVE KATY, TX 77493 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $377 | — | $377 | 0.77% |
| CLARA VICE3 | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | — | $316 | 0.64% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $42 | $243 | 0.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | P.O. BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.49% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.38% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.34% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLAND DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.33% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $19 | $120 | 0.24% |
| VERA ANN PAREDES3 | 1414 S RICHEY STREET PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $1 | $99 | 0.20% |
| SANTIAGO OCHOA3 | 2120 EL PASEO, UNIT 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.18% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.16% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $5 | $44 | 0.09% |
| DARIN POTTS3 | 10 DETERING STREET, APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $18 | $36 | 0.07% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| LORA MARIE WATSON3 | P.O. BOX 1663 MAGNOLIA, TX 77353 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 0.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| VICKIE SUSAN ELIZARDO3 | 6315 RAY ROAD PASADENA, TX 77505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GINA MARIE RICHARDSON3 | P.O. BOX 8881 SPRING, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROSS LAPHAM3 | 2247 KINGS TRAIL KINGWOOD, TX 77339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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 | $2K | 12.97% |
| 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 | $584 | $2K | 20.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATO | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79350 | $58K |
| CIGNA HEALTH AND INS CO EIN 59-1031071 SERVICE PROVIDER | Other services Service code 49 | PO BOX 645014 CINCINNATI, OH 06002 | $30K |
| TFG FINANCIAL GROUP BENEFITS EIN 61-1588503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | $7K |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE BENEFIT PARTNERS, INC. | 145 | $295K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $19K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $19K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 145 | $135K |
| Prescription drug | ACE BENEFIT PARTNERS, INC. | 145 | $295K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 145 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.