| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 300 HOUSTON, TX 77027 | HUMANA INSURANCE COMPANY | $181K | $1K | $182K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 300 HOUSTON, TX 77027 | HUMANADENTAL INSURANCE COMPANY | $26K | $1K | $27K | 9.62% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $423 | $0 | $423 | 1.79% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $0 | $417 | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 14241 DALLAS PARKWAY DALLAS, TX 75254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $0 | $298 | 1.26% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 7922 WESTGLEN DRIVE HOUSTON, TX 77063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $0 | $257 | 1.09% |
| N PAULINE FERRELL3 Filed as: N. PAULINE FERRELL | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.34% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS, LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.24% |
| MJ INSURANCE3 Filed as: OMAR MENDOZA AND VARIOUS AGENTS | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.77% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 461 | $3.8M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 454 | $281K |
| Vision | HUMANA INSURANCE COMPANY | 461 | $3.8M |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 40 | $22K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 40 | $22K |
| Prescription drug | HUMANA INSURANCE COMPANY | 461 | $3.8M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.