| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $4K | $11 | $4K | 0.05% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC. | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $110 | $110 | 0.00% |
| ECHO MAINTENANCE3 | 6711 NORTH TWIN CITY HIGHWAY PORT ARTHUR, TX 77642 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED CONSULTANTS | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127K | — | $127K | 10.01% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59K | — | $59K | 4.65% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | — | $38K | 3.00% |
| LAUREN A WELCH3 | 6085 PINKSTAFF LN BEAUMONT, TX 77706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | — | $37K | 7.16% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | — | $32K | 6.11% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 3.41% |
| KAREN J MCDONALD3 Filed as: KAREN JEANNETTE MCDONALD | 1008 GENE DR LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 2.66% |
| ERIK PAUL RATCLIFF3 Filed as: ERIK P RATCLIFF | 110 STEPHENS LN LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 2.33% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.72% |
| JENNILEA S CHASE3 | 300 ENGINEERS PASS JARRELL, TX 76537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.67% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DR NE STE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.48% |
| ASHLEY I FLORES3 | 6852 WASHINGTON ST GROVES, TX 77619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.32% |
| LYSSA S GOLMON3 | PO BOX 8111 LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.10% |
| MICHELLE W RHODES3 | 9358 FM 256 E COLMESNEIL, TX 75938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | — | $324 | 0.06% |
| HALEY M PATE3 | 18179 LH 10 NO 7 BEAUMONT, TX 77705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.02% |
| ERNEST L KOCH3 | 7 BRIARHILL LN LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIMBERLY MARIE BROWN TAMBERELLA | 930 W ROUND BUNCH RD BRIDGE CITY, TX 77611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| HANNAH JEAN TOLAR3 | 242 CR 4580 SPURGER, TX 77660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| ANDREA OCHOA3 | 1704 AVE L NIDERLAND, TX 77627 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| ATHENA M JARAMILLO3 | 7844 TALLINA RD. LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | FIRST STOP HEALTH, LLC | $5K | — | $5K | 9.18% |
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 | 806 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,678 | $8.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 761 | $1.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 761 | $1.3M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 761 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 803 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,678 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.