| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $16K | — | $16K | 9.98% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 1.38% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $23K | — | $23K | 14.99% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 9.23% |
| SHERLOCK INSURANCE AGCY INC3 Filed as: SHERLOCK INS AGCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 8.23% |
| JANOIS RENEE GRIZZAFFI3 | 5013 OAK LANE ORANGE, TX 77632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $84 | $593 | 0.70% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $148 | $563 | 0.66% |
| VERA ANN PAREDES3 | PO BOX 4475 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $47 | $479 | 0.56% |
| JARRET HUGHES3 | 16810 ECHO HEIGHTS DRIVE CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | — | $430 | 0.51% |
| MALLORY LEE INGLE3 | 2477 FM 1488 ROAD CONROE, TX 77384 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $250 | $316 | 0.37% |
| HUGHES FINANCIAL CONSULTANTS LLC3 | 2811 MEADOWLARK LANE TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $6 | $175 | 0.21% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.20% |
| DEBORAH A CHILDRESS3 | 6590 MILLER COUNTY 4 DODDRIDGE, AR 71834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.17% |
| JENNIFER CHRISTINE ESKINA3 | PO BOX 92828 AUSTIN, TX 78709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.17% |
| JAMES CHRISTOPHER TODD3 | 3004 KEYSTONE STREET LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $24 | $37 | 0.04% |
| JESSICA WARREN3 | 710 NORTH SHERWOOD DRIVE OVERTON, TX 75684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| KAREN WINRICH3 | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78682 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| EDNEY ENTERPRISES LLC3 | 22873 COUNTY ROAD 3107 GLADE WATER, TX 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $3 | $16 | 0.02% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| CODY DEAN KELLEY3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BROOKS AGENCY INC3 | 14812 COUNTY ROAD 424 LINDALE, TX 75777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | 0.01% |
| BENEFITS COUNTS LLC3 | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 478 | $163K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 205 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 365 | $156K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 365 | $156K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 365 | $156K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 365 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.