| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $59K | $72K | 5.48% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA RD SUITE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 11.90% |
| HERSCHEL ALAN COSART3 | 551 LOUETTA RD SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2K | — | $2K | 6.76% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INS COMPANY | $883 | $145 | $1K | 3.49% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $395 | $179 | $574 | 1.95% |
| WENDY DAWN PACK3 Filed as: WENDY ELIZABETH BROWNING | 7127 AVIGNON DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INS COMPANY | $310 | $261 | $571 | 1.94% |
| ELITE INSURANCE AGENCY INC3 | 800 BERING DRIVE #105 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $459 | — | $459 | 1.56% |
| MANUEL FUENTES3 | 19327 TALAVERA RIDE SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INS COMPANY | $123 | $12 | $135 | 0.46% |
| JONATHAN ANTHONY SCOTT3 | 8820 WESTHEIMER RD APT 2147 HOUSTON, TX 77063 | COLONIAL LIFE & ACCIDENT INS COMPANY | $118 | — | $118 | 0.40% |
| JUSTIN CRAIG LAWHORN3 | 3000 JOE DIMAGGIO BLVD ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INS COMPANY | $36 | $61 | $97 | 0.33% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INS COMPANY | $13 | $83 | $96 | 0.33% |
| CHRISTOPHER D SALGE3 | 9519 GODSTONE SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $87 | — | $87 | 0.30% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $74 | $10 | $84 | 0.29% |
| TROY J PALMER3 | 15534 CLOVEER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $83 | — | $83 | 0.28% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INS COMPANY | $69 | $12 | $81 | 0.27% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INS COMPANY | $75 | $5 | $80 | 0.27% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INS COMPANY | $62 | — | $62 | 0.21% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GAREN RIDE, TX 78266 | COLONIAL LIFE & ACCIDENT INS COMPANY | $21 | $20 | $41 | 0.14% |
| LAURA ELYSE MCNEILL3 | 5330 BEVERLYHILL ST HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INS COMPANY | $29 | — | $29 | 0.10% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INS COMPANY | $9 | $4 | $13 | 0.04% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INS COMPANY | $6 | — | $6 | 0.02% |
| JAMES DAVID BODKER3 | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INS COMPANY | $6 | — | $6 | 0.02% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 288 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 288 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $64K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $64K |
| Other | COLONIAL LIFE & ACCIDENT INS COMPANY | 47 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.