| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 1.00% |
| COBB BENEFITS GROUP LLC3 Filed as: COBB BENEFITS GROUP, LLC | 5530 TAMARON COURT DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 12.68% |
| MICHAEL BENHAM3 | 902 HADRIAN STREET IRVING, TX 75062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 5.59% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $213 | $5K | 2.78% |
| JGBENEFITS CONSULTANTS3 | 12300 FORD ROAD FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $546 | $3K | 1.44% |
| SANDRA DRIVER3 | PO BOX 233 WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $149 | $2K | 1.05% |
| CONSTANZA BEATRIZ FORBES3 | 4157 FM 3211 CADDO MILLS, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $494 | $2K | 1.03% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LANE APARTMENT 2020 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DRIVE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $362 | $1K | 0.75% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $598 | $1K | 0.59% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, SUITE 340 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $0 | $325 | 0.16% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.15% |
| LYNN DEE BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 0.12% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $5 | $209 | 0.11% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LANE LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $104 | $167 | 0.08% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.06% |
| ALBERTO VALENZUELA3 | 3108 ROUNDTREE LANE GARLAND, TX 75044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.05% |
| DEYSI LUCERO BENITEZ3 | 1808 ALEXANDER STREET MARSHALL, TX 75670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $24 | $87 | 0.04% |
| RYAN G YOUNG3 | 801 NORTH NURSERY ROAD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $30 | $77 | 0.04% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.03% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $10 | $57 | 0.03% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.03% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.02% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.02% |
| JULIAN OLALDE3 Filed as: JULIAN GABRIEL OLALDE | 342 SAGE MEADOW ROAD WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.02% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.01% |
| LINDA DUARTE3 | 1210 SOUTH LAMAR STREET DALLAS, TX 75215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| THRIVE BENEFIT SOLUTIONS3 Filed as: THRIVE BENEFITS SOLUTIONS | 12300 FORD ROAD SUITE 450 FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| COBB BENEFITS GROUP LLC3 | 5530 TAMARON CT DALLAS, TX 75287 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.16% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $598K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $74K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 212 | $272K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 212 | $198K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 212 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.