| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 Filed as: IFSTX LT | 5521 LOUETTA ROAD SPRING, TX 77379 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $74K | $87K | 5.67% |
| IFSTX LTD3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 11.51% |
| HERSCHEL ALAN COSART | 5521 LOUETTA RD SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | — | $1K | 4.47% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT COMPANY | $660 | $104 | $764 | 2.89% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT COMPANY | $318 | $73 | $391 | 1.48% |
| K G SMITH LLC3 Filed as: KG SMITH LLC | 7606 EASWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT COMPANY | $242 | $122 | $364 | 1.38% |
| ELITE INSURANCE AGENCY INC Filed as: ELITE INSURANCE AGENCY | 800 BERING DRIVE #105 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT COMPANY | $295 | — | $295 | 1.12% |
| WAYNE JAMES PITRIE | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT COMPANY | $84 | — | $84 | 0.32% |
| WISER BENEFITS LLC | 7127 AVIGNON DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT COMPANY | $76 | — | $76 | 0.29% |
| MANUEL FUENTES | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT COMPANY | $69 | — | $69 | 0.26% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT COMPANY | $19 | $41 | $60 | 0.23% |
| OMAR MENDOZA | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT COMPANY | $29 | — | $29 | 0.11% |
| BILLY MARK ROBERSON | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT COMPANY | $29 | — | $29 | 0.11% |
| TROY J PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT COMPANY | $12 | — | $12 | 0.05% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $74K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $74K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.