| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 | 5521 LOUETA RD STE A SPRING, TX 77379 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $63K | $75K | 5.68% |
| HERSCHEL ALAN COSART3 | 5521 LOUETA RD STE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.96% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA RD SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $3K | — | $3K | 8.39% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | $346 | $1K | 4.67% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $540 | $352 | $892 | 2.88% |
| ELITE INSURANCE AGENCY INC3 Filed as: ELITE INSURANCE AGENCY | 800 BERING DRIVE #05 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $686 | — | $686 | 2.22% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INS COMPANY | $303 | $108 | $411 | 1.33% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INS COMPANY | $386 | — | $386 | 1.25% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $285 | $98 | $383 | 1.24% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW RAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INS COMPANY | $250 | $98 | $348 | 1.13% |
| LAURA ELYSE MCNEILL3 | 5330 BEVERLYHILL ST HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INS COMPANY | $310 | — | $310 | 1.00% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE & ACCIDENT INS COMPANY | $254 | — | $254 | 0.82% |
| WENDY DAWN PACK3 Filed as: WENDY ELIZABETH BROWNING | 7127 AVIGNON DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INS COMPANY | $220 | — | $220 | 0.71% |
| CHRISTOPHER D SALGE3 | 9519 GODSTONE LN SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $215 | — | $215 | 0.70% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INS COMPANY | $155 | — | $155 | 0.50% |
| SA ENERAL AGENCY3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INS COMPANY | $43 | $31 | $74 | 0.24% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEITS LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INS COMPANY | $69 | — | $69 | 0.22% |
| JUSTIN CRAIG LAWHORN3 | 3000 JOE DIMAGGIO BLVD ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INS COMPANY | $24 | $16 | $40 | 0.13% |
| TROY J PALMER3 | 15534 CLOER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $11 | — | $11 | 0.04% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 | 281 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $61K |
| Other | COLONIAL LIFE & ACCIDENT INS COMPANY | 0 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.