| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS | 3131 W ALABAMA STREET FLOOR 4 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $99K | $3K | $102K | 4.02% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELEN BLVD BEAUMONT, TX 77720 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $42K | $407 | $42K | 14.71% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $499 | $9K | 10.09% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.88% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $6 | $1K | 1.58% |
| CHERRI ANN CARLIN3 | PO BOX 12098 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $4 | $592 | 0.67% |
| DEBORAH A CHILDRESS3 | 5523 BRAZORIA DRIVE GRAND PRAIRIE, TX 75052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | — | $481 | 0.54% |
| MARION D TUTTLE3 | 412 CAMELIA ORANGE, TX 77630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | — | $476 | 0.54% |
| TERRI L KEESE3 | 13890 STATE HIGHWAY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $27 | $415 | 0.47% |
| JAN WESTERMAN3 | 2880 FM 1940 FRANKLIN, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 0.37% |
| LINDA D DYSON3 | PO BOX 113 LASALLE, TX 77969 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $7 | $259 | 0.29% |
| STACEY D KELLEN3 Filed as: STACEY DARLENE FARRELL | 22411 WILDWOOD GROVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.13% |
| KAREN WINRICH3 | 1460 E WHITESTONE BOULEVARD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $36 | $94 | 0.11% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $40 | $60 | 0.07% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $18 | $56 | 0.06% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK KATY, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| C DEAVEN BENEFITS3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREESAGE LLC | 18230 NORTH ELDRIGE PARKWAY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | C/O TEAM GREENSAGE TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| AMANDA JOANN MOORE-MAXWELL3 | 18727 SCORESBY MANOR SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| PHILLIP LEONARD TUCKER3 | 13149 BAYFIELD DRIVE AUSTIN, TX 78727 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHRISTIAN D SMAISTRLA3 | 18230 NORTH ELDRIDGE PARKWAY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 585 | $2.5M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $288K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $288K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $288K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $288K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.