| 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 | $71K | $4K | $75K | 3.99% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 12200 NORTHWEST FWY STE 662 HOUSTON, TX 770924927 | BLUECROSS BLUESHIELD OF TEXAS | — | $47 | $47 | 0.00% |
| VISIBLE CHANGES INC3 | 1303 CAMPBELL ROAD HOUSTON, TX 770556403 | BLUECROSS BLUESHIELD OF TEXAS | — | $35 | $35 | 0.00% |
| BETH R. PETERSON3 Filed as: BETH PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $1K | $26K | 7.83% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 12200 NORTHWEST FWY STE 662 HOUSTON, TX 770924927 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 4.78% |
| LEROY PHELPS3 Filed as: LEROY D PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $162 | $4K | 1.12% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.47% |
| DELORES J KARISCH3 | PO BOX 40752 HOUSTON, TX 77240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.30% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | — | $351 | 0.10% |
| ROGER LAPHAM3 Filed as: ROGER A LAPHAM | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 0.10% |
| ROSS LAPHAM3 | 13722 ELM SHORES DRIVE HOUSTON, TX 77044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.09% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 0.09% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.05% |
| CATHERINE RACHEL WARNER3 | 3002 CLOVERDALE DR LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.02% |
| PATRICIA M PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL ANDREW RIVERA3 | 122 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| MICHAEL ANDREW RIVERA3 | 12200 NW FREEWAY 662 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | $4K | — | $4K | 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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 485 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $67K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 360 | $134K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 360 | $470K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 360 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.