| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | $22K | $200K | $221K | 3.69% |
| UNIQUE INSURANCE GROUP LLC3 Filed as: UNIQUE INSURANCE GROUP, LLC | 4538 CENTERVIEW, SUITE 101 SAN ANTONIO, TX 78228 | AETNA LIFE INSURANCE COMPANY | $20K | $161K | $181K | 3.02% |
| UNIQUE INSURANCE GROUP LLC3 | 4646 CORONA DRIVE, SUITE 100 CORPUS CHRISTI, TX 78411 | DEARBORN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORTWORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 1.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS AND VARIOUS AGENTS | 7922 WESTGLEN DRIVE HOUSTON, TX 77063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 1.61% |
| ANDREW MARK BOARDMAN3 | 4875 CORIAN SPRINGS DRIVE SAN ANTONIO, TX 78247 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 1.48% |
| UNIQUE INSURANCE GROUP LLC3 | 4538 CENTERVIEW, SUITE 101 SAN ANTONIO, TX 78228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 1.21% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LANE SAN ANTONIO, TX 78254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $2 | $35 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 14241 DALLAS PARKWAY DALLAS, TX 75254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.39% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $12 | $30 | 0.39% |
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 | 483 | 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) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,134 | $6.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,134 | $6.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,134 | $6.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 107 | $82K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 107 | $82K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 107 | $82K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,134 | $6.0M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.