| 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 | $65K | $2K | $67K | 3.99% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $25K | $11K | $36K | 21.35% |
| MELISSA ARMATIS3 Filed as: MELISSA MADTES | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | — | $2K | 7.96% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $520 | — | $520 | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL M. ROMAN | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $80 | $177 | $257 | 1.26% |
| EXCEL BENEFITS INC3 Filed as: EXCEL BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $156 | — | $156 | 0.77% |
| PATRICK RUHLE3 Filed as: PATRICK A BAKER | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $59 | — | $59 | 0.29% |
| THOMAS SNYDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $47 | — | $47 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $29 | — | $29 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $27 | — | $27 | 0.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY M. RUSHING | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $17 | — | $17 | 0.08% |
| GALE SIMPSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $16 | — | $16 | 0.08% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.03% |
| 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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 267 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 267 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 168 | $170K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 168 | $190K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 168 | $190K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 168 | $170K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 168 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.