| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY SUSAN STEPHENS3 | 606 PARK PLACE CT. SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $16K | $25K | 28.46% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $8K | $14K | 15.11% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 8.22% |
| OLGA LONGORIA3 | 5800 NORTH 28TH LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $237 | $2K | 2.44% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $540 | $2K | 1.94% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $1K | $2K | 1.83% |
| WHITNEY BRADY3 | P.O. BOX 1511 ODESSA, TX 79760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| VICTOR MICHAEL LABORDE3 | RR 6 BOX 450 LONGVIEW, TX 75603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $7 | $749 | 0.84% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $90 | $749 | 0.84% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $82 | $658 | 0.73% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $59 | $591 | 0.66% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 242 GULFWAY DRIVE HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $16 | $351 | 0.39% |
| MICHAEL SNYDER3 | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $120 | $266 | 0.30% |
| MELODIE F FONTENOT3 | 6812 WAYNE AVE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $46 | $196 | 0.22% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $76 | $168 | 0.19% |
| LORZENO REYES3 | 126 PIONEER TRAIL MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $127 | $147 | 0.16% |
| GORDON R JONES INC3 | 8100 OZARK DR SAN MARCOS, TX 78666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $13 | $114 | 0.13% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $45 | $96 | 0.11% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $50 | $82 | 0.09% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $21 | $72 | 0.08% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $13 | $63 | 0.07% |
| SHELLIE LYN COX3 | 6015 MCCANN RD LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $35 | $50 | 0.06% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $5 | $45 | 0.05% |
| STACEY HENN GASPARD3 | 115 GLEN ARBOR CT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $1 | $44 | 0.05% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $14 | $29 | 0.03% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $7 | $15 | 0.02% |
| TODD J STRBIK3 Filed as: TODD J STRIBIK | 1727 NEMOKE TR #4 HASLETT, MI 48840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.01% |
| R J K & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $6 | $9 | 0.01% |
| MARK H YOUNG3 | 1890 MAPLESHADE DR WILLIAMSTON, MI 48895 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $31 | $2K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE OFFICE OF AMERICA INSURANCE AGENT OR BROKE | Insurance agents and brokers Service code 22 | 130 VANTIS STE 250 ALISO VIEJO, CA 92656 | $32K |
| HIGGINBOTHAM INSURANCE AGENCY INSURANCE AGENT OR BROKE | Insurance agents and brokers Service code 22 | 11700 KATY FREEWAY SUITE 1100 HOUSTON, TX 77079 | $16K |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 159 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $79K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $79K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $90K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.