| 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 | $67K | $0 | $67K | 17.65% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1800 WEST LOOP S, STE 2115 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 15.00% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| 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 | 1.87% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 14.06% |
| MELVIN GROSS3 Filed as: MELVIN L GROSS | 4848 LOOP CENTRAL DR, STE 1005 HOUSTON, TX 77081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.86% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIR HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 2.83% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $864 | $2 | $866 | 0.56% |
| ROSALINDA BENTANCUR RODRIGUEZ3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 0.14% |
| ROSS LAPHAM3 | 2247 KINGS TRL KINGWOOD, TX 77339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.04% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY, STE 500 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $4 | $25 | 0.02% |
| RICHARD DUDLEY3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| AUTO QUOTE SYSTEMS INC3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1800 WEST LOOP S, STE 2115 HOUSTON, TN 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.70% |
| 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 | $1K | $1K | 1.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 4635 SOUTHWEST FWY, STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.14% |
| 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 | $439 | $439 | 1.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | AFLAC | $0 | $0 | $0 | — |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $0 | $0 | $0 | — |
| ANA J KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $0 | $0 | $0 | — |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | AFLAC | $0 | $0 | $0 | — |
| ZANE ALLMAN3 | 10210 BLACK FOREST CT CONROE, TX 77385 | AFLAC | $0 | $0 | $0 | — |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 301 | $187K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $178K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $95K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 242 | $380K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 301 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.