| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | — | $97K | 15.41% |
| SHEPARD & WALTON LIFE INSURANCE3 | 1906 E. TYLER, SUITE B HARLINGEN, TX 78551 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | $9K | — | $9K | 5.57% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BLVD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $3K | $29K | 19.39% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $6K | $18K | 12.18% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $6K | $10K | 6.57% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $956 | $7K | 4.50% |
| J&H FINANCIAL AND INSURANCE SVC LLC3 | 22948 VIA CEREZA UNIT 4E MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $902 | $5K | 3.47% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $430 | $2K | 1.44% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1301 DOVE ST STE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $1K | $2K | 1.11% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $490 | $873 | 0.59% |
| CAMILLE HOLLAN SIDEL POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $811 | — | $811 | 0.55% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $66 | $621 | 0.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | — | $501 | 0.34% |
| TINA HERNANDEZ3 | 11779 W COCOPAH ST AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $13 | $72 | 0.05% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 E DEERE AVE STE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.04% |
| CARLOS MENDEZ3 | 1936 E DEERE AVE STE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO RD LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| EDITH VIEYRA3 | 1432 E MARKET ST LONG BEACH, CA 90805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| SHEPARD & WALTON LIFE INSURANCE3 | COMPANY 8217 SHOAL CREEK BLVD STE 108 AUSTIN, TX 787577500 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 14.05% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $629K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 190 | $163K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 190 | $163K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $29K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $147K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 287 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.