| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUE CROSS BLUE SHIELD OF TEXAS | $53K | $1K | $54K | 2.47% |
| JOHNTE SHANTELL ARCHER3 | UNKNOWN HOUSTON, TX 77036 | BLUE CROSS BLUE SHIELD OF TEXAS | $32K | $0 | $32K | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | UNKNOWN HOUSTON, TX 77036 | BLUE CROSS BLUE SHIELD OF TEXAS | -$5K | $0 | -$5K | -0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1-B ODESSA, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $812 | $15K | 8.23% |
| JOHNTE SHANTELL ARCHER3 | 1610 SAINT CHARLES STREET HOUSTON, TX 77003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.19% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $293 | $0 | $293 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $3K | $38K | 73.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $3K | $38K | 73.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $681 | $77 | $758 | 15.02% |
| MJ INSURANCE3 Filed as: SANTIAGO OCHOA AND VARIOUS AGENTS | 2120 EL PASSO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $413 | $51 | $464 | 9.20% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $154 | $384 | 7.61% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $140 | $288 | 5.71% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $41 | $222 | 4.40% |
| KELLY ZIEGLER3 | 1339 REGENTS BOULEVARD FIRCREST, WA 98466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $1 | $163 | 3.23% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $39 | $129 | 2.56% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 413 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 413 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $181K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $186K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $186K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $181K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 413 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
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.