| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFSTX LTD3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $55K | $65K | 3.80% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY STE 150 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $27K | $31K | 1.85% |
| IFSTX LTD3 | 5521 LOUETTA RD SUITE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.88% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.77% |
| HERSCHEL ALAN COSART3 | 5521 LOUETTA RD STE A SPRING, TX 77379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | — | $727 | 3.66% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $21 | $516 | 2.60% |
| DARIN POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $47 | $279 | 1.40% |
| ELITE INSURANCE AGENCY INC3 Filed as: ELITE INSURANCE AGENCY INC. | 800 BERING DRIVE #105 HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.91% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $36 | $153 | 0.77% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON | 9575 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.54% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $17 | $108 | 0.54% |
| WISER BENEFITS LLC3 | 7127 AVIGNON DRIVE ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.29% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.29% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $1 | $48 | 0.24% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $99K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $79K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.