| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARUS BENEFITS GROUP LLC3 Filed as: CLARUS BENEFITS GROUP, LLC | 3000 WESLAYAN STREET, SUITE 390 HOUSTON, TX 77027 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $2K | $27K | 3.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.18% |
| BRADY C KNIGHT3 | 2001 KIRBY DRIVE, SUITE 1000 HOUSTON, TX 77019 | UNITEDHEALTHCARE INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| CLARUS BENEFITS GROUP LLC3 | 3000 WESLAYAN STREET SUITE 390 HOUSTON, TX 77027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.38% |
| BRADY C KNIGHT3 | 1811 VASSAR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.85% |
| ASSUREDPARTNERS3 Filed as: CLARUS BENFITS GROUP LLC | 3000 WESLAYN STREET HOUSTON, TX 77027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $806 | $0 | $806 | 5.78% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $515 | $115 | $630 | 4.52% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $68 | $208 | 1.49% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $12 | $125 | 0.90% |
| NATALIE JONES TELTOW3 Filed as: NATALIE J. TELTOW AND OTHER AGENTS | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $3 | $85 | 0.61% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $3 | $77 | 0.55% |
| VERA ANN PAREDES3 | PO BOX 1283 PASADENA, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.55% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | $24 | $86 | 20.72% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 4.58% |
| LAURA ELYSE MCNEILL3 Filed as: LAURA ELYSE MCNEIL | 5330 BEVERLYHILL STREET HOUSTON, TX 77056 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 4.10% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $752K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $114K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $114K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $752K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.