| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED SCHUBERT INS AGENCY INC | 3100 AUDLEY HOUSTON, TX 77098 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $105K | — | $105K | 4.82% |
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED J. SCHUBERT INS AGENCY INC | 3100 AUDLEY ST HOUSTON, TX 770981928 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 13.44% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY I | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.23% |
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED SCHUBERT INS AGCY INC | 3100 AUDLEY HOUSTON, TX 77098 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY | PO BOX 900022 HOUSTON, TX 77292 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.30% |
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED SCHUBERT INS AGCY INC | 3100 AUDLEY HOUSTON, TX 77098 | HARTFORD LIFE AND ACCIDENT | $834 | — | $834 | 2.69% |
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED J SCHUBERT INS AGENCY INC | 3100 AUDLEY ST HOUSTON, TX 77098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.25% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP W SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $612 | — | $612 | 3.73% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 339 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 339 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $257K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $291K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $257K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $257K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.