Form 5500 · Employee benefit plan · HOUSTON, TX
BOWEN, MICLETTE & BRITT INSURANCE AGENCY, LLC
The filing calls this plan BOWEN, MICLETTE & BRITT INSURANCE AGENCY, LLC EMPLOYEE HEALTH & WELFARE PLAN.
BOWEN, MICLETTE & BRITT INSURANCE AGENCY, LLC of HOUSTON, TX spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BOWEN MICLETTE DESCANT & BRITT. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-3860108 · plan 501 · plan year 2024, filed Apr 15, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 236 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 4 contracts here that do not say what they cover.
Reported premium across the insured contracts is $534,456, with $73,436 in disclosed broker commissions — about 14% of premium.
The most recent policy period ended in July, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
BOWEN MICLETTE DESCANT & BRITT is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 236 | Jul 2, 2024 | $305,570 | $42,770 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 114 | Jul 8, 2024 | $69,926 | $10,489 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 57 | Jul 2, 2024 | $44,155 | $9,247 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 21 | Jul 2, 2024 | $34,912 | $4,549 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 238 | Jul 1, 2024 | $38,089 | $1,904 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 8 | Jul 2, 2024 | $11,425 | $1,680 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 68 | Jul 2, 2024 | $20,727 | $1,625 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 19 | Jul 2, 2024 | $7,535 | $1,130 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 7 | Jul 2, 2024 | $2,117 | $42 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | Jul 2, 2024 | — | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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