| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 | 5521 LOUETTA ROAD SPRIN, TX 77379 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $60K | $71K | 5.68% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA ROAD SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $994 | — | $994 | 3.58% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INS COMPANY | $674 | $64 | $738 | 2.66% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INS COMPANY | $317 | $67 | $384 | 1.38% |
| ELITE INSURANCE AGENCY INC3 Filed as: ELITE INSURANCE AGENCY | 800 BERIN DRIVE #105 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INS COMPANY | $290 | — | $290 | 1.04% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INS COMPANY | $210 | $4 | $214 | 0.77% |
| WENDY DAWN PACK3 Filed as: WENDY ELIZABETH BROWNING | 7127 AVIGNON DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INS COMPANY | $98 | $14 | $112 | 0.40% |
| MANUEL FUENTES3 | 19327 TALAVERA RIDGE SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INS COMPANY | $91 | — | $91 | 0.33% |
| BOWLES INSURANCE SERVICES LLC3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INS COMPANY | $61 | $23 | $84 | 0.30% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77009 | COLONIAL LIFE & ACCIDENT INS COMPANY | $38 | — | $38 | 0.14% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INS COMPANY | $37 | — | $37 | 0.13% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $37 | — | $37 | 0.13% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INS COMPANY | $25 | $6 | $31 | 0.11% |
| TROY J PALMER3 | 15534 CLOVER RD SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INS COMPANY | $19 | — | $19 | 0.07% |
| JONATHAN ANTHONY SCOTT3 | 8820 WESTHEIMER RD APT 2147 HOUSTON, TX 77063 | COLONIAL LIFE & ACCIDENT INS COMPANY | $11 | — | $11 | 0.04% |
| CHRISTOPHER D SALGE3 | 9519 GODSTONE LN SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $8 | — | $8 | 0.03% |
| JUSTIN CRAIG LAWHORN3 | 3000 JOE DIMAGIO BLVD ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INS COMPANY | $3 | $3 | $6 | 0.02% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1 | $1 | $2 | 0.01% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Other | COLONIAL LIFE & ACCIDENT INS COMPANY | 44 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
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.