| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB BENEFITS GROUP LLC3 Filed as: COBB BENEFITS GROUP, LLC | 5530 TAMARON COURT DALLAS, TX 75287 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $29K | $29K | 5.26% |
| FOSTER BENEFIT RESOURCES INC3 Filed as: FOSTER BENEFIT RESOURCES, INC | 14911 QUORUM DRIVE, SUITE 100 DALLAS, TX 75254 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 1.05% |
| COBB BENEFITS GROUP LLC3 Filed as: COBB BENEFITS GROUP, LLC | 5530 TAMARON COURT DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 17.82% |
| MICHAEL BENHAM3 | 902 HADRIAN STREET IRVING, TX 75062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $683 | $9K | 8.32% |
| PENELOPE ROSAS3 | 1521 SUNFLOWER DRIVE AUSTIN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $773 | $5K | 3.98% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, SUITE 340 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.54% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $531 | $3K | 2.84% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $955 | $3K | 2.50% |
| JULIAN OLALDE3 | 10935 ESTATE LANE DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $68 | $3K | 2.42% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 2.17% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | $2K | $2K | 2.13% |
| LYNN DEE BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | $111 | $992 | 0.87% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE STREET IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $219 | $718 | 0.63% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $333 | $649 | 0.57% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $113 | $496 | 0.43% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $14 | $397 | 0.35% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 0.19% |
| ANGELA HAMNES3 | 405 GLENWOOD TERRACE HURST, TX 76053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| ROBERT RUSHING3 | 223 WEST ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| COBB BENEFITS GROUP LLC3 | 5530 TAMARON CT DALLAS, TX 75287 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.38% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 257 | $558K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $56K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $170K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $114K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.