| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 1388 HOUSTON, TX 77251 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $42 | $24K | 3.82% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON, L.P. | PO BOX 301598 DALLAS, TX 75303 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.63% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $324 | $2K | 11.44% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $308 | $165 | $473 | 2.28% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $70 | $235 | 1.13% |
| SUSAN SIDELL3 | 394 GRANGEVILLE SALMON ROAD GRANGEVILLE, ID 83530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $11 | $122 | 0.59% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $9 | $111 | 0.53% |
| MJ INSURANCE3 Filed as: MARY R. BOWLES AND VARIOUS AGENTS | 147 WEST WADING POND CIRCLE TOMBALL, TN 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $14 | $55 | 0.26% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.10% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J. TELTOW | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $368 | $0 | $368 | 9.21% |
| VERNA HEATH4 | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $344 | $0 | $344 | 8.61% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $89 | $464 | 14.06% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $42 | $143 | 4.33% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $57 | $126 | 3.82% |
| SUSAN SIDELL3 | 394 GRANGEVILLE SALMON ROAD GRANGEVILLE, ID 83530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $3 | $33 | 1.00% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.85% |
| MARY REBECCA BOWLES3 | 147 WEST WADING POND CIRCLE TOMBALL, TN 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $8 | $19 | 0.58% |
| MJ INSURANCE3 Filed as: TIMOTHY REED AND VARIOUS AGENTS | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.36% |
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 | 645 | 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) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 2ND MD | 373 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $617K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $617K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $617K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $617K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.