| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAXIMUS DUENAS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 10.89% |
| MAXIMUS DUENAS3 | 5917 QUINTA REAL COURT EL PASO, TX 79912 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $13 | $3K | 4.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $580 | $580 | 0.81% |
| MAXIMUS DUENAS3 | 5917 QUINTA REAL COURT EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.05% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 326 VILLA CANTO STREET EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $346 | $613 | 1.28% |
| ZACHARY HUNYADI ALICEA3 | 5001 NORTH MESA STREET APARTMENT 1114 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $282 | $591 | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 WEST 3RD STREET SUITE 800 FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | — | $520 | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 218060 HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $24 | $500 | 1.04% |
| DAVID CRUZ3 | 4312 CAMBRIDGE AVENUE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $45 | $415 | 0.86% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE NOELIE KUGLER | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $114 | $290 | 0.60% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $225 | $248 | 0.52% |
| STEPHEN JOSEPH HULFORD3 | 5917 QUINTA REAL COURT EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.39% |
| MARIA GRACIELA PAMANES3 | 5780 MIRA GRANDE DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $50 | $160 | 0.33% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $97 | $134 | 0.28% |
| KPW INC3 | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $86 | $128 | 0.27% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.24% |
| MARGARITA CANALES3 | 6201 ESCONDIDO DRIVE APARTMENT 11A EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $20 | $109 | 0.23% |
| FABIOLA VILLA3 | 9353 VISCOUNT BOULEVARD APARTMENT 2113 EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $8 | $93 | 0.19% |
| FARID SAPIEN3 | 10440 PONDEROSA STREET EL PASO, TX 79924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $64 | $91 | 0.19% |
| KORINA ISELA BOTELLO3 | 7212 DESERT EAGLE DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $21 | $90 | 0.19% |
| JACQUELINE PAPKE GONZALEZ3 | 5552 FERNWOOD CIRCLE EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $2 | $84 | 0.17% |
| NORMA SIBONEY LOPEZ3 | 1037 CHRISTY AVENUE EL PASO, TX 79907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $5 | $38 | 0.08% |
| ANAYAH EILIS DORMAN3 Filed as: ANAYAH ELLIS DORMAN | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVENUE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| D&I INTERNATIONAL PARTNERS INC3 | 449 EL CAMINO DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| ANGELA RENEE HERNANDEZ3 | 3233 MUDDY POINT LANE EL PASO, TX 79938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 0.04% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.03% |
| CECILLA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| JORGE DUENAS3 | 6840 CACTUS THRUSH EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| LAURA CRISTINA MORENO3 | 6605 BERRINGER STREET EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA DRIVE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JUAN JOSE MACIAS3 | 4122 CHESTER AVENUE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MONICA GABRIELA SERVIN3 Filed as: MONICA GAVIELA SERVIN | 6749 ISLA DEL REY DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALMA SAPIEN3 | 1034 SAINT JOHNS DRIVE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VANESSA CARRASCO3 | 1282 ZELLIGE STREET EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EDGAR IVAN MUNOZ LUNA3 | 7313 KIOWA CREEK DRIVE EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MAXIMUS DUENAS3 | 5917 QUINTA REAL COURT EL PASO, TX 79912 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | HARTFORD LIFE AND ACCIDENT | $720 | — | $720 | 7.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 NORTH OREGON SUITE 310 EL PASO, TX 79901 | HARTFORD LIFE AND ACCIDENT | -$7 | $224 | $217 | 2.12% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $312K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $72K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $120K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 87 | $10K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.