| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DRAPER & DRAPER INSURANCE COMPANY3 | 3131 WEST ALABAMA SUITE 150 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $55K | — | $55K | 2.72% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS | 3131 W ALABAMA STREET FLOOR 4 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $29K | $9K | $38K | 1.89% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BLVD BEAUMONT, TX 77707 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $40K | $13K | $54K | 16.65% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $646 | $8K | 8.09% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $355 | $7K | 6.85% |
| LINDA D DYSON3 | PO BOX 113 LASALLE, TX 77969 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $84 | $2K | 1.72% |
| STACEY D KELLEN3 Filed as: STACEY K KELLEN | PO BOX 30496 HOUSTON, TX 77249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $79 | $1K | 1.29% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $209 | $452 | 0.46% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $15 | $444 | 0.45% |
| DEBORAH A CHILDRESS3 | 1907 ASH ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 0.39% |
| JAN WESTERMAN3 | 2880 FM 1940 FRANKLIN, TX 77856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.21% |
| TERRI L KEESE3 | 13890 STATE HIGHWAY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $2 | $82 | 0.08% |
| EVELINA ESCALANTE-KING3 | 18019 WINDWARD ROAD CLEVELAND, OH 44119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.06% |
| CHERRI ANN CARLIN3 | PO BOX 12098 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| MARION D TUTTLE3 | 412 CAMELIA ORANGE, TX 77630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| KAREN WINRICH3 | 1460 E WHITESTONE BOULEVARD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $6 | $15 | 0.02% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| VIP INSURANCE INC3 | 400 SOUTH RAMPART BLVD STE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREESAGE LLC | 18230 NORTH ELDRIDGE PARKWAY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | C/O TEAM GREENSAGE TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AMANDA JOANN MOORE-MAXWELL3 | 18727 SCORESBY MANOR SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PHILLIP LEONARD TUCKER3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHRISTIAN D SMAISTRLA3 | 18230 NORTH ELDRIDGE PARKWAY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHERLOCK INSURANCE AGENCY, INC.3 | PO BOX 22237 BEAUMONT, TX 77720 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 545 | $2.0M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $322K |
| Vision | VISION SERVICE PLAN | 141 | $23K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $322K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $322K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $322K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.