| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $73K | $1K | $74K | 3.89% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $25K | $9K | $34K | 19.59% |
| MELISSA ARMATIS3 Filed as: MELISSA MADTES | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | — | $2K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL M. ROMAN | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $129 | $458 | $587 | 3.46% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $356 | — | $356 | 2.10% |
| EXCEL BENEFITS INC3 Filed as: EXCEL BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $166 | — | $166 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $48 | — | $48 | 0.28% |
| THOMAS SNYDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $36 | — | $36 | 0.21% |
| PATRICK RUHLE3 Filed as: PATRICK A BAKER | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $33 | — | $33 | 0.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY M. RUSHING | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $18 | — | $18 | 0.11% |
| GALE SIMPSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $18 | — | $18 | 0.11% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.04% |
| LES MILLER3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 323 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 323 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 200 | $174K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 200 | $191K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 200 | $191K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 200 | $174K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 200 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.