| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 3.58% |
| SHEPARD & WALTON LIFE INS AGENCY3 | INC 8217 SHOAL CREEK BLVD STE 108 AUSTIN, TX 787577500 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O BOX 5003 SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.40% |
| SHEPARD & WALTON LIFE INSURANCE3 | COMPANY PO BOX 1830 HARLINGEN, TX 78551 | UNITEDHEALTHCARE INSURANCE COMPANY | $295 | — | $295 | 0.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | — | $642 | 3.49% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BLVD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $65 | $247 | 1.34% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $113 | $230 | 1.25% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $53 | $189 | 1.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY RD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $80 | $121 | 0.66% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 E DEERE AVE STE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.33% |
| CARLOS MENDEZ3 | 1936 E DEERE AVE STE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.27% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO RD LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.24% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.24% |
| EDITH VIEYRA3 | 1432 E MARKET ST LONG BEACH, CA 90805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.14% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $33K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $18K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.