| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 12200 NORTHWEST FWY STE 662 HOUSTON, TX 770924927 | BLUECROSS BLUESHIELD OF TEXAS | $69K | $4K | $73K | 4.52% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 12200 NORTHWEST FWY STE 662 HOUSTON, TX 770924927 | BLUECROSS BLUESHIELD OF TEXAS | — | $70 | $70 | 0.00% |
| VISIBLE CHANGES INC3 | 1303 CAMPBELL ROAD HOUSTON, TX 770556403 | BLUECROSS BLUESHIELD OF TEXAS | — | $30 | $30 | 0.00% |
| BETH R. PETERSON3 Filed as: BETH PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $976 | $20K | 6.35% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 12200 NORTHWEST FWY STE 662 HOUSTON, TX 770924927 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 4.46% |
| LEROY PHELPS3 Filed as: LEROY D PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.18% |
| DELORES J KARISCH3 | PO BOX 40752 HOUSTON, TX 77240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $65 | $2K | 0.71% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.58% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 0.13% |
| ROGER LAPHAM3 Filed as: ROGER A LAPHAM | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | — | $389 | 0.12% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | — | $360 | 0.11% |
| ROSS LAPHAM3 | 13722 ELM SHORES DRIVE HOUSTON, TX 77044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 0.11% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.07% |
| CATHERINE RACHEL WARNER3 | 3002 CLOVERDALE DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.03% |
| MICHAEL ANDREW RIVERA3 | 122 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 20.00% |
| MICHAEL ANDREW RIVERA3 | 12200 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MICHAEL ANDREW RIVERA3 | 12200 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MICHAEL ANDREW RIVERA3 | 12200 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| MICHAEL ANDREW RIVERA3 | 12200 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 464 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $62K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 383 | $129K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 383 | $450K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 383 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.