| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARDENT SOLUTIONS LLC3 Filed as: ARDENT SOLUTIONS | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 13.04% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $588 | $17K | 10.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 9.87% |
| HONORIO GUILLERMO AQUINO3 Filed as: HONORIO G. AQUINO AND OTHER AGENTS | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $205 | $4K | 2.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INSURANCE | 1717 NORTH SAM HOUSTON PARKWAY HOUSTON, TX 77038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $23 | $4K | 2.42% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.73% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $513 | $3K | 1.68% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $265 | $2K | 1.15% |
| JAN HOFER3 | 58 SOUTH HAVENRIDGE DRIVE THE WOODLANDS, TX 77380 | INTERFAITH OF THE WOODLANDS COUNSELING CENTER | — | $6K | $6K | 60.11% |
| ARDENT SOLUTIONS LLC3 Filed as: ARDENT SOLUTIONS | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITED DENTAL CARE OF TEXAS, INC. | $890 | — | $890 | 10.31% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 102 | $176K |
| Vision | UNION SECURITY INSURANCE COMPANY | 102 | $167K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 102 | $327K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 81 | $160K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 102 | $167K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 258 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
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.