| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHSB3 | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.23% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $37K | $68K | 33.42% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52K | $0 | $52K | 25.66% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 3.99% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $402 | $4K | 2.14% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.97% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.80% |
| FRANCISCO X CABRERA3 | PO BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $464 | $3K | 1.53% |
| BILLY MARK ROBERSON3 Filed as: BILLY MARK ROBERTSON | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $752 | $3K | 1.46% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $716 | $3K | 1.33% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $97 | $3K | 1.28% |
| LISA D GARCIA3 | 602 CENIZA ST DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $86 | $2K | 1.03% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $51 | $2K | 0.96% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | $945 | $2K | 0.93% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | $567 | $1K | 0.53% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $44 | $647 | 0.32% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $247 | $549 | 0.27% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $21 | $545 | 0.27% |
| DARIN POTTS3 | 510 BERING DR HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $244 | $528 | 0.26% |
| ROBERT RUSHING3 | 223 W ANDERSON LN AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $0 | $524 | 0.26% |
| GRACIALA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN ST EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $21 | $462 | 0.23% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $68 | $217 | 0.11% |
| ALVARO RAMIREZ JR3 | PO BOX 421293 DEL RIO, TX 78842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $16 | $210 | 0.10% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $49 | $198 | 0.10% |
| DEBORAH DAWN YOUNG3 | 502 S KOENIGHEIM ST STE 2E SAN ANGELO, TX 76903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 0.10% |
| SANDRA DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 0.09% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $18 | $169 | 0.08% |
| ROSALINDA BENTANCUR3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $9 | $87 | 0.04% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $11 | $44 | 0.02% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $7 | $24 | 0.01% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| ROBERT J HUMPHREY3 Filed as: ROBERT HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| CLARA VICE3 Filed as: CLARA L VICE | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CAVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| ROSS LAPHAM3 | 13722 ELM SHORES DR HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | ACE USA GROUP | $20K | $0 | $20K | 10.03% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $33K | $61K | 32.01% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49K | $0 | $49K | 25.29% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 3.70% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $741 | $5K | 2.76% |
| BUDDY GLEN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 78098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $158 | $4K | 2.20% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $309 | $3K | 1.74% |
| NORMA R WARNER3 | 4705 STILL MEADOWS ST LIBERTY, TX 77575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $347 | $3K | 1.33% |
| LISA D GARCIA3 | 602 CENIZA ST DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $103 | $3K | 1.31% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | $910 | $2K | 0.95% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $496 | $2K | 0.93% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $443 | $2K | 0.91% |
| TROY J PALMER3 | 15534 CLOVER RDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $432 | $2K | 0.85% |
| GRACIELA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN ST EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $70 | $2K | 0.79% |
| ROSALINDA BENTANCUR3 | 2035 ALTA VISTA ST HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $145 | $1K | 0.71% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $120 | $1K | 0.60% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $487 | $929 | 0.48% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $297 | $659 | 0.34% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $533 | $39 | $572 | 0.30% |
| ALVARO RAMIREZ JR3 | PO BOX 421293 DEL RIO, TX 78842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $31 | $407 | 0.21% |
| DEBORAH DAWN YOUNG3 | 502 S KOENIGHEIM ST STE 2E SAN ANGELO, TX 76903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $0 | $376 | 0.20% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $14 | $356 | 0.19% |
| ROBERT RUSHING3 | 223 W ANDERSON LN AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 0.18% |
| SANDRA DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $0 | $304 | 0.16% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $111 | $294 | 0.15% |
| L H WHITAKER ENTERPRISES INC3 Filed as: LH WHITAKER ENTERPRISES INC | 43 NORTHCREEKSIDE CT HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $55 | $221 | 0.12% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $35 | $144 | 0.08% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $41 | $132 | 0.07% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $30 | $121 | 0.06% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $4 | $81 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | ACE USA GROUP | $5K | $0 | $5K | 9.87% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RHSB BROKER | Insurance agents and brokers Service code 22 | 8750 N CENTRAL EXPY STE 500 DALLAS, TX 75231 | $154K |
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 | 708 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 708 | $3.2M |
| Dental | ACE USA GROUP | 569 | $196K |
| Vision | ACE USA GROUP | 482 | $48K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $30K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 530 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.