| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 840 GESSNER RD STE 600 THREE MEMORIAL CITY HOUSTON, TX 770244145 | BLUECROSS BLUESHIELD OF TEXAS | $33K | $744 | $34K | 5.76% |
| ROGER LAPHAM3 | P.O. BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $609 | $3K | 5.30% |
| PLUMHOFF AND ASSOCIATES, INC.3 Filed as: PLUMHOFF & ASSOCIATES, INC. | 1220 AUGUSTA DRIVE, SUITE 300 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.28% |
| REGINA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $51 | $1K | 2.46% |
| NANCY LAPHAM3 | P.O. BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $312 | $1K | 2.13% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.44% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.44% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $5 | $212 | 0.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.18% |
| AUTO QUOTE SYSTEMS INC3 Filed as: AUTO QUOTE SYSTEMS, INC. | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.15% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.08% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| JAMES WENDLANDT3 Filed as: JAMES R ANDERSON | 4700 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| ROSS LAPHAM3 | 13722 ELM SHORES DR HOUSTON, TX 77044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ROSALINDA BENTANCUR RODRIGUEZ3 Filed as: ROSALINDA BETANCUR | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 77 | $586K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 77 | $586K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 67 | $8K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $56K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $56K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.