| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | DEARBORN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.04% |
| SHERLOCK INSURANCE AGCY INC3 Filed as: SHERLOCK INS AGCY INC | PO BOX 22237 BEAUMONT, TX 77720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 10.78% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFITS SOLUTION LLC | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $754 | $8K | 8.39% |
| KENNETH LEROY KEITH3 | 2708 MERRIMAN STREET PORT NECHES, TX 77651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $33 | $3K | 3.24% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $314 | $791 | 0.83% |
| JANOIS RENEE GRIZZAFFI3 | 5013 OAK LANE ORANGE, TX 77632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $50 | $437 | 0.46% |
| STEPHEN MCMILLAN3 | 89 DEERFIELD ROAD HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $17 | $288 | 0.30% |
| JENNIFER CHRISTINE ESKINA3 | PO BOX 92828 AUSTIN, TX 78709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 0.29% |
| VIRGLE BARRE SANDERSON3 | 3030 WINDING WAY HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.21% |
| DEBORAH A CHILDRESS3 | 6590 MILLER COUNTY 4 DODDRIDGE, AR 71834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.12% |
| LAKENDRIC JEVON WESTBROOK3 | 1206 VERDE TRAILS DRIVE HOUSTON, TX 77073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $35 | $109 | 0.11% |
| SUSAN B STEELE3 | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.09% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.07% |
| KOREY ALIESE MCMILLIAN3 | 89 DEERFIELD ROAD HUNTSVILLE, TX 77340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $26 | $46 | 0.05% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $30 | $45 | 0.05% |
| MEREDITH PAIGE JONES3 | 19417 FM 1804 LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $8 | $45 | 0.05% |
| BE INSURANCE PARTNERS LLC3 Filed as: B INSURANCE PARTNERS LLC | 2900 SPEEGLEVILLE ROAD WOODWAY, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $15 | $30 | 0.03% |
| JAMES CHRISTOPHER TODD3 | 3004 KEYSTONE STREET LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KAREN WINRICH3 Filed as: KAREN WINRICK | 2401 WESTINGHOUSE ROAD APARTMENT 3102 GEORGETOWN, TX 78626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BROOKS AGENCY INC3 | 14812 COUNTUY ROAD 424 LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.00% |
| BENEFITS COUNTS LLC3 | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | 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 | 10.03% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY INC | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | BLUECROSS BLUESHIELD OF TEXAS | $8K | $20 | $8K | — |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | 3131 WEST ALABAMA STREET SUITE 150 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | — |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | 3131 WEST ALABAMA STREET SUITE 150 HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | — | $20 | $20 | — |
| CLEVELAND MACK SALES, INC DBA PERFO3 Filed as: CLEVELAND MACK SALES INC DBA PERFOR | 1263 US HIGHWAY 59 NORTH CLEVELAND, TX 77328 | BLUECROSS BLUESHIELD OF TEXAS | — | $3 | $3 | — |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 427 | $0 |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 182 | $29K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 318 | $147K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 318 | $147K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 318 | $147K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 318 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
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.