| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | $82K | $2K | $84K | 3.53% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | 3131 WEST ALABAMA STREET SUITE 150 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | — | $34 | $34 | 0.00% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY INC | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | BLUECROSS BLUESHIELD OF TEXAS | — | $34 | $34 | 0.00% |
| CLEVELAND MACK SALES, INC DBA PERFO3 | 1263 US HIGHWAY 59 NORTH CLEVELAND, TX 77328 | BLUECROSS BLUESHIELD OF TEXAS | — | $16 | $16 | 0.00% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $24K | — | $24K | 14.92% |
| SHERLOCK INSURANCE AGCY INC3 Filed as: SHERLOCK INS AGCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 11.41% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $438 | $8K | 8.37% |
| JANOIS RENEE GRIZZAFFI3 | 5013 OAK LANE ORANGE, TX 77632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $241 | $1K | 1.41% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | $283 | $727 | 0.78% |
| KOREY ALIESE MCMILLIAN3 Filed as: KOREY ALIESE MCMILLAN | 89 DEERFIELD ROAD HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $471 | $691 | 0.74% |
| KENNETH LEROY KEITH3 | 2708 MERRIMAN STREET PORT NECHES, TX 77651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $75 | $534 | 0.58% |
| JENNIFER CHRISTINE ESKINA3 | PO BOX 92828 AUSTIN, TX 78709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 0.46% |
| MEREDITH PAIGE JONES3 | 19417 FM 1804 LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $86 | $304 | 0.33% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.16% |
| DEBORAH A CHILDRESS3 | 6590 MILLER COUNTY 4 DODDRIDGE, AR 71834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.16% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $6 | $145 | 0.16% |
| BROOKS AGENCY INC3 | 14812 COUNTY ROAD 424 LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $80 | $96 | 0.10% |
| KAREN WINRICH3 | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78682 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| JARRET HUGHES3 | 16810 ECHO HEIGHTS DRIVE CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.07% |
| BENEFITS COUNTS LLC3 | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $14 | $30 | 0.03% |
| HUGHES FINANCIAL CONSULTANTS LLC3 | 2811 MEADOWLARK LANE TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| JAMES CHRISTOPHER TODD3 | 3004 KEYSTONE STREET LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| MALLORY LEE INGLE3 | 2477 FM 1488 ROAD CONROE, TX 77384 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.02% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DRIVE SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDNEY ENTERPRISES LLC3 | 22873 CR 3107 GLADE WATER, TX 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.97% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 501 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 199 | $33K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 365 | $162K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 365 | $162K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 365 | $162K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 365 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.