| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOFER STEINER3 | 2700 POST OAK BLVD, STE 1150 HOUSTON, TX 77056 | AETNA | $69K | $0 | $69K | 7.29% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE INDVIDUAL BROKERS | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136K | $5K | $141K | 26.08% |
| SOFER STEINER3 | 2700 POST OAK BLVD, STE 1150 HOUSTON, TX 77056 | GUARDIAN | $18K | $0 | $18K | 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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 185 | $942K |
| Dental | GUARDIAN | 277 | $180K |
| Vision | GUARDIAN | 277 | $180K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $539K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $539K |
| Stop-loss / reinsurancereinsurance | AETNA | 185 | $942K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.