| 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 | $23K | $166K | $189K | 3.77% |
| UNIQUE INSURANCE GROUP LLC3 Filed as: UNIQUE INSURANCE GROUP, LLC | 4538 CENTERVIEW, SUITE 101 SAN ANTONIO, TX 78228 | AETNA LIFE INSURANCE COMPANY | $17K | $142K | $159K | 3.16% |
| UNIQUE INSURANCE GROUP LLC3 Filed as: UNIQUE INSURANCE GROUP, LLC | 4538 CENTERVIEW, SUITE 101 SAN ANTONIO, TX 78228 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.29% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 1.57% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 14241 DALLAS PARKWAY DALLAS, TX 75254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | UNKNOWN HOUSTON, TX 77036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.49% |
| DANNY G. KOCH3 | 2500 CITY WEST BOULEVARD HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.43% |
| MJ INSURANCE3 Filed as: THOMAS SNYDER AND VARIOUS AGENTS | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.35% |
| N PAULINE FERRELL3 Filed as: N. PAULINE FERRELL | 286 THOROUGHBRED LANE SPRING BRANCH, TX 78070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.29% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,012 | $5.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,012 | $5.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,012 | $5.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 54 | $44K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 54 | $44K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 54 | $44K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,012 | $5.1M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 54 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.