| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $76K | $1K | $77K | 4.86% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 7.12% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 312 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MICHAEL J THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $3K | $140 | $3K | 5.02% |
| EARLY L BOWEN3 | 16727 CREEKVIEW LANE CYPRESS, TX 77429 | AFLAC | $2K | $40 | $2K | 2.95% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $947 | $132 | $1K | 2.02% |
| CHRISTOPHER AARON CONLEY3 | 23106 LODGEPOINT DRIVE KATY, TX 77494 | AFLAC | $851 | $65 | $916 | 1.71% |
| LAURA LEIGH STURM3 Filed as: LAURA L STURM | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $470 | — | $470 | 0.88% |
| JAMES D STEPHENS3 | 7676 HILLMONT STREET SUITE 121 HOUSTON, TX 77040 | AFLAC | $430 | — | $430 | 0.80% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $281 | $132 | $413 | 0.77% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $386 | — | $386 | 0.72% |
| JUSTIN H STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $190 | $163 | $353 | 0.66% |
| MARY C HALQUIST3 | 32231 RIVER PARK DRIVE MAGNOLIA, TX 77355 | AFLAC | $224 | — | $224 | 0.42% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $137 | — | $137 | 0.26% |
| GENA L HOPP3 | 23118 OXBOW TRAIL SPRING, TX 77373 | AFLAC | $108 | — | $108 | 0.20% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $76 | — | $76 | 0.14% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | PO BOX 5439 KINGWOOD, TX 77325 | AFLAC | $66 | — | $66 | 0.12% |
| DENNIS W CAMDEN3 | 225 LAKE ESTATES TRAIL LONGVIEW, TX 75605 | AFLAC | $44 | — | $44 | 0.08% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E GENE DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $42 | — | $42 | 0.08% |
| BRANDY L BRANDON3 | 10314 CADENA COURT SPRING, TX 77379 | AFLAC | $30 | — | $30 | 0.06% |
| GENESSA R GERBER3 | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $25 | — | $25 | 0.05% |
| LEO A GILLIES3 | 4008 VISTA ROAD SUITE C101 - C101B PASADENA, TX 77504 | AFLAC | $24 | — | $24 | 0.04% |
| DAVID MINCHEW3 | 2119 THOMPSON CROSSING DRIVE RICHMOND, TN 77406 | AFLAC | $17 | — | $17 | 0.03% |
| GENESSA R GERBER3 | 1550 CUTTEN ROAD APARTMENT 2904 HOUSTON, TX 77070 | AFLAC | $13 | — | $13 | 0.02% |
| JANET R THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $9 | $4 | $13 | 0.02% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E GENE DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $12 | — | $12 | 0.02% |
| JEANNETTE C. THAMES3 Filed as: JEANNETTE C THAMES | 1419 HONEYSUCKLE LANE SUGARLAND, TX 77479 | AFLAC | $8 | — | $8 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 29622 NORTH 21ST DRIVE PHOENIX, AZ 85085 | AFLAC | $4 | — | $4 | 0.01% |
| IDA WONG ENG3 | 10123 KEMP FOREST DRIVE HOUSTON, TX 77080 | AFLAC | $3 | — | $3 | 0.01% |
| SHARON L SUTIS3 | 6782 JARDINES DRIVE HUNTINGTON BEACH, MI 92647 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $3 | — | $3 | 0.01% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $3 | — | $3 | 0.01% |
| LAWRENCE F THAMES3 | 1419 HONEYSUCKLE LANE SUGARLAND, TX 77479 | AFLAC | $2 | — | $2 | 0.00% |
| BETH LUANNE KIMBROUGH3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.77% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 161 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $99K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $59K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
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.