| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBS INSURANCE LLP3 | 3005 SOUTH TREADAWAY ABILENE, TX 79602 | BLUE CROSS BLUE SHIELD OF TEXAS | $34K | $801 | $35K | 4.31% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $3K | $27K | 17.64% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 11.81% |
| CBS INSURANCE LLP3 Filed as: CBS INSURANCE | 3005 SOUTH TREADAWAY ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 7.98% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 6.08% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $600 | $7K | 4.78% |
| KRISTEN LYNN JOHNSON3 | 5301 CRUSE LANE AMARILLO, TX 79118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.88% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVENUE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $61 | $272 | 0.18% |
| SHAREE HOOPER3 | 3130 SPRING VALLEY RD CHARLOTTE, NC 28210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.06% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.01% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| CBS INSURANCE LLP3 | 3005 SOUTH TREADAWAY BLVD ABILENE, TX 79602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 168 | $815K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $85K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $241K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 129 | $155K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 129 | $155K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.