| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH BARTON | 8750 N CENTRAL EXPRESSWAY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.81% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR. FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $826 | $2K | 9.04% |
| JENNIFER RICHARDS3 | 3059 BURLESON RETTA RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $468 | $706 | $1K | 5.27% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK. FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $152 | $754 | 3.38% |
| CALVIN DEAN INGLE3 Filed as: CALVIN INGLE | 1840 LARIAT TRL. CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $57 | $483 | 2.17% |
| JEFFREY BELFOURE3 | 3095 BURLESON RETTA RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $265 | $370 | 1.66% |
| DEACON CHARLES KAVANAUGH3 Filed as: DEACON KAVANAUGH | 6336 HILL CREEK DR. THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.18% |
| JANA LEE ALMEJO3 Filed as: JANA ALMEJO | 2504 SANTA FE TRAIL SANGER, TX 76266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| CRAIG LEE KREUTZER3 Filed as: CRAIG KREUTZER | 1112 WILSON DR. LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ACAP HEALTH CONSULTING LLC3 Filed as: ACAP HEALTH CONSULTING | 12712 PARK CENTRAL DR. STE. 100 DALLAS, TX 75251 | COMPASS PROFESSIONAL HEALTH SERVICES | $2K | — | $2K | 20.00% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 231 | $35K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $264K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 356 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $90K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.