| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRINDELL & ROMERO INSURANCE INC3 | PO BOX 1929 LAS CRUCES, NM 88004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150K | $34K | $184K | 16.01% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $21K | $56K | 4.91% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $31K | $46K | 4.05% |
| D&I INTERNATIONAL PARTNERS INC3 | 449 EL CAMINO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $17K | $40K | 3.44% |
| ANGELA RENEE HERNANDEZ3 | 12613 PASCO RAE AVENUE EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $5K | $28K | 2.40% |
| MICHAEL HERNANDEZ3 | 3604 ALHAMBRA LN EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $561 | $14K | 1.19% |
| ELISABETH CHESHIRE CHAVEZ3 | 6380 FRANKLIN GATE DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $291 | $11K | 0.93% |
| JUAN JOSE MACIAS3 | 457 LAS POLOMAS EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $198 | $5K | 0.43% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $292 | $5K | 0.42% |
| KEN WEESE3 | 1768 GAMBEL QUAIL DR EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $147 | $4K | 0.35% |
| JOAQUIN MANUEL DAVILA3 | 221 N KANSAS ST STE 729 EL PASO, TX 79901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.26% |
| ZACHARY HUNYADI ALICEA3 | 7990 ARTCRAFT RD APT 17 EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8 | $2K | 0.21% |
| PAULINA FOURZAN3 | 6840 CACTUS THRUSH EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| LEONARD SMITTNER3 | 630 WHITE CLIFF APT D EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| MICHAEL ANTHONY ALVAREZ3 | 948 PINEDALE AVE LAS CRUCES, NM 88005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| SUSAN GOLD STOKES3 | 17042 PINEHURST LN D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $171 | $1K | 0.11% |
| KAREN HAZEL GARCIA3 | 301 LOMONT DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $159 | $1K | 0.11% |
| EDGAR IVAN MUNOZ LUNA3 | 7313 KIOWA CREEK EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $93 | $1K | 0.10% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $895 | $113 | $1K | 0.09% |
| R & A HEALTH LLC3 | 7377 AUTUMN SAGE DRIVE EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $975 | — | $975 | 0.08% |
| JENNIFER GRIGGS3 | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $740 | $192 | $932 | 0.08% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | $15 | $864 | 0.08% |
| MICHAEL ROBERT HILL3 | 6340 FRANKLIN TRAIL DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $850 | — | $850 | 0.07% |
| VICTOR ROBERT ROLLO3 | PO BOX 879 CARLSBAD, CA 92018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $16 | $732 | 0.06% |
| LAMBERT MONTALBO3 | 26197 MIRADA ST HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $568 | $35 | $603 | 0.05% |
| JORGE DUENAS3 | 6840 CACTUS THRUSH DR. EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $169 | $402 | 0.04% |
| CHRISTIAN BARAJAS3 | 1703 W NATAL AVE MESA, AZ 85202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.02% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $104 | $156 | 0.01% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $37 | $151 | 0.01% |
| RON ROSENSTEIN3 | 3711 N STANTON ST EL PASO, TX 79902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $5 | $136 | 0.01% |
| CHARLES DON SCHAEF3 Filed as: CHARLES DON SHAEF | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $75 | $127 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.01% |
| CAROL JEAN HALL3 | 5737 E CHAPTER DR TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $3 | $103 | 0.01% |
| MANUEL FUENTES3 | 19327 TALABERA RIDGE SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $31 | $100 | 0.01% |
| EDUARDO BARAJAS3 | 1703 W NATAL AVE MESA, AZ 85202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.01% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $16 | $94 | 0.01% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $18 | $90 | 0.01% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.01% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $21 | $51 | 0.00% |
| ANNALISA MARIE KURZ3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $28 | $44 | 0.00% |
| AUSTIN DUNSTON3 Filed as: AUSTIN DUNSTIN | 1220 COYOTE LN EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $13 | $31 | 0.00% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $14 | $23 | 0.00% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $4 | $21 | 0.00% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.00% |
| CHELSEY DREIBELBIS3 | 629 CHARNWOOD PKWY BEECH GROVE, IN 46107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARK J MATSOCK3 | 2400 E AZ BILTMORE CIRCLE SUITE 1100 PHOENIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 9.81% |
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 | 3,292 | 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) | 3,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,218 | $495K |
| Vision | VISION SERVICE PLAN | 950 | $116K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,292 | $1.1M |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,292 | $1.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,292 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,292 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.