| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $63K | $73K | 5.62% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.86% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $5K | — | $5K | 21.03% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2K | $2K | $4K | 16.44% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | $1K | $3K | 11.12% |
| ELITE INSURANCE AGENCY INC3 | 800 BERING DRIVE #105 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | — | $1K | 5.26% |
| CHRISTOPHER D SALGE3 | 9519 GODSTONE LN SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | — | $1K | 4.46% |
| CHRISTOPHER D SALGE3 Filed as: CHRISTOPHER D SALE | 9519 GODSTONE LN SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | — | $1K | 4.46% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 280 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $59K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $59K |
| Other | COLONIAL LIFE & ACCIDENT INS COMPANY | 40 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.