| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $71 | $9K | 11.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $743 | $743 | 0.95% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $228 | $2K | 3.66% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.34% |
| PLUMHOFF AND ASSOCIATES, INC.3 Filed as: PLUMHOFF & ASSOCIATES, INC. | UNKNOWN HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.66% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $162 | $1K | 1.61% |
| SANTIAGO OCHOA3 Filed as: SANTIAGO OCHOA AND OTHER AGENTS | 3605 SOUTH LOMBARD AVENUE CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $5 | $478 | 0.75% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 0.29% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $78K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $142K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $64K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $78K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.