| 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 | $64K | $0 | $64K | 17.65% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $10K | $34K | 21.06% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.02% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 8.63% |
| MELVIN GROSS3 Filed as: MELVIN L GROSS | 4848 LOOP CENTRAL DR, STE 1005 HOUSTON, TX 77081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $259 | $2K | 1.35% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | 0.14% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 0.10% |
| ROSS LAPHAM3 | 2247 KINGS TRL KINGWOOD, TX 77339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.04% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.02% |
| AUTO QUOTE SYSTEMS INC3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 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% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 20.67% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | AFLAC | $3K | $0 | $3K | 4.67% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $2K | $9 | $2K | 3.21% |
| ANA J KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $2K | $2 | $2K | 2.61% |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | AFLAC | $202 | $0 | $202 | 0.34% |
| ZANE ALLMAN3 | 10210 BLACK FOREST CT CONROE, TX 77385 | AFLAC | $11 | $0 | $11 | 0.02% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.20% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $790 | $790 | 3.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $434 | $434 | 2.07% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 239 | $365K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 290 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $163K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $70K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 239 | $365K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 290 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.