| 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 | $255K | $0 | $255K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 300 HOUSTON, TX 77027 | HUMANADENTAL INSURANCE COMPANY | $31K | $0 | $31K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.51% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 2.53% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $82 | $235 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 14241 DALLAS PARKWAY DALLAS, TX 75254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $3 | $198 | 1.42% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 7922 WESTGLEN DRIVE HOUSTON, TX 77063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $0 | $179 | 1.28% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS AND OTHER AGENTS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $56 | $146 | 1.05% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $24 | $133 | 0.95% |
| N PAULINE FERRELL3 Filed as: N. PAULINE FERRELL | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.49% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 585 | $4.7M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 521 | $294K |
| Vision | HUMANA INSURANCE COMPANY | 585 | $4.7M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $31K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $31K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $31K |
| Prescription drug | HUMANA INSURANCE COMPANY | 585 | $4.7M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
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.