| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $65K | $1K | $66K | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 14.07% |
| LEROY PHELPS3 | 102 BENT TREE DR BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $47 | $5K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $257 | $3K | 6.42% |
| AMANDA MOORE MAXWELL3 | 3518 TEM BEL LANE TEMPLE, TX 76502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.38% |
| VERA ANN PAREDES3 | 1414 RICHEY ST, STE 6 PASADENA, TX 77052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $822 | $39 | $861 | 1.72% |
| PATRICIA M PHELPS3 | 102 BENT TREE DR BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $840 | $0 | $840 | 1.68% |
| JESSICA CHRISTINE LEARD3 | PO BOX 264 RICEVILLE, IA 50466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $529 | $0 | $529 | 1.06% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $0 | $411 | 0.82% |
| CARROLL INSURANCE AGENCY LTD3 | 6702 GESSNER RD HOUSTON, TX 77040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $405 | $0 | $405 | 0.81% |
| DARIN POTTS3 | 100 DETERING ST, APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $155 | $278 | 0.56% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK LANE HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 0.39% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 229 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 229 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 163 | $71K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 163 | $71K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $50K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 163 | $71K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 163 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.