| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B C STEVENSON GROUP LLC3 | 22002 ERINCREST COURT KATY, TX 77450 | HUMANA HEALTH PLAN OF TEXAS, INC. | $13K | $0 | $13K | 1.69% |
| B C STEVENSON GROUP LLC3 | 14800 ST MARYS LANE SUITE 105 HOUSTON, TX 77079 | HUMANA HEALTH PLAN OF TEXAS, INC | $0 | $7K | $7K | 2.69% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS INSURANCE SERVICE | 427 WEST 20TH STREET SUITE 500 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| WEALTH DESIGN GROUP, LLC3 Filed as: WEALTH DESIGN GROUP LLC | 3040 POST OAK BLVD STE 400 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS INSURANCE SERVICE | P.O. BOX 7011 HOUSTON, TX 77248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.56% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFITS SOLUTIONS | 22411 WILDWOOD GROVE DRIVE KATY, TX 77494 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 10.94% |
| STACEY D KELLEN3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 10.21% |
| VISICOR INC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 1.06% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $7 | $157 | 0.69% |
| VERA ANN PAREDES3 | P.O. BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $3 | $129 | 0.57% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $1 | $60 | 0.26% |
| JOSHUA ROARK3 | 700 COBIA DRIVE KATY, TX 77494 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $23 | $52 | 0.23% |
| VICKIE SUSAN ELIZARDO3 | 4008 VISTA SUITE C101 PASADENA, TX 77504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA HEALTH PLAN OF TEXAS, INC. | 142 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $62K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC | 131 | $260K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.