| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | UNKNOWN HOUSTON, TX 77051 | BLUECROSS BLUESHIELD OF TEXAS | $120K | $14K | $134K | 4.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | UNKNOWN HOUSTON, TX 77051 | BLUECROSS BLUESHIELD OF TEXAS | $11K | $0 | $11K | 0.40% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $981 | $24K | 8.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND NOYES LLC | 3151 BRIAR PARK DRIVE HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $0 | $23K | 8.25% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $776 | $6K | 2.10% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $235 | $5K | 1.89% |
| AMY E TRIOLA & OTHER AGENTS3 | 106 THOMAS STREET TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $192 | $3K | 0.97% |
| KATY JOY BUFORD3 | 4516 FM 1131 ROAD BUNA, TX 77612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $326 | $3K | 0.95% |
| EPSI BENEFITS, INC.3 Filed as: EPSI BENEFITS INC | PO BOX 10 BARKER, TX 77413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3151 BRIAPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 10.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3151 BRIAPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $253K | $0 | $253K | 999.08% |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 445 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 445 | $2.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 305 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 546 | $103K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 546 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.