| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHORT BENEFITS3 Filed as: SHORT BENEFIT SERVICES, INC. | 5773 WOODWAY, STE 144 HOUSTON, TX 77057 | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | $66K | $0 | $66K | 16.28% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.69% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $14K | 8.71% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FREEWAY, STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 11.35% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 7.15% |
| ANA J KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.26% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE, STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.74% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: GWYNNETH H RUTHERFORD | 903 HAWTHORNE ST HOUSTON, TN 77006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.99% |
| JOHN J NOBLE3 | 160 RUTH ST HOUSTON, TX 77004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.89% |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.72% |
| ZANE ALLMAN3 Filed as: ZANE M ALLMAN | 10210 BLACK FOREST CT CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 0.23% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $803 | $11K | 7.83% |
| MELVIN GROSS3 Filed as: MELVIN L GROSS | 4848 LOOP CENTRAL DR, STE 1005 HOUSTON, TX 77081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.58% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $380 | $2K | 1.45% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $1 | $243 | 0.18% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $0 | $226 | 0.17% |
| ROSS LAPHAM3 | 2247 KINGS TRL KINGWOOD, TX 77339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.06% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| AUTO QUOTE SYSTEMS INC3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 11.34% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.10% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 10.63% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.90% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 243 | $408K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 281 | $300K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $165K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $67K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 243 | $408K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 281 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.