| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERLOCK INSURANCE AGENCY3 Filed as: SHERLOCK INSURANCE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 5.01% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | — | $3K | $3K | 2.33% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.71% |
| SHERLOCK INSURANCE AGENCY3 | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $21K | — | $21K | 15.02% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.53% |
| SHERLOCK INSURANCE AGCY INC3 Filed as: SHERLOCK INS AGCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.85% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $141 | $524 | 0.64% |
| JOHANNA LYNN COLE3 | PO BOX 1052 MAURICEVILLE, TX 77626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 0.63% |
| JENNIFER CHRISTINE ESKINA3 | PO BOX 92828 AUSTIN, TX 78709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.42% |
| KENNETH LEROY KEITH3 | 2708 MERRIMAN STREET PORT NECHES, TX 77651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.25% |
| ARIANE SAHREE OLIVAREZ3 | 7538 BIG OAK STREET ORANGE, TX 77632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.17% |
| DEBORAH A CHILDRESS3 | 6590 MILLER COUNTY 4 DODDRIDGE, AR 71834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.12% |
| TIMOTY COBB3 | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $72 | $95 | 0.12% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.10% |
| JANOIS RENEE GRIZZAFFI3 | 5013 OAK LANE ORANGE, TX 77632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.08% |
| STEPHEN MCMILLAN3 | 89 DEERFIELD ROAD HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.07% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.06% |
| BE INSURANCE PARTNERS LLC3 | 2900 SPEEGLEVILLE ROAD WOODWAY, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $21 | $44 | 0.05% |
| MEREDITH PAIGE JONES3 | 312 TEXAS DRIVE HIDEAWAY, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| JAMES CHRISTOPHER TODD3 | 3004 KEYSTONE STREET LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| VIRGLE BARRE SANDERSON3 | 3030 WINDING WAY HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LAKENDRIC JEVON WESTBROOK3 | 1206 VERDE TRAILS DRIVE HOUSTON, TX 77073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DRIVE SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SHERLOCK INSURANCE AGENCY3 | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 411 | $149K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 171 | $28K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 323 | $137K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 323 | $137K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 323 | $137K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 323 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.