| 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 | $7K | $0 | $7K | 1.00% |
| COBB BENEFITS GROUP LLC3 Filed as: COBB BENEFITS GROUP, LLC | 5530 TAMARON COURT DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 10.67% |
| MICHAEL BENHAM3 | 902 HADRIAN STREET IRVING, TX 75062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 5.28% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $168 | $6K | 2.94% |
| JGBENEFITS CONSULTANTS3 | 12300 FORD ROAD FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| DAMARIS BERLANGA3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $332 | $2K | 0.95% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $12 | $2K | 0.78% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $620 | $1K | 0.57% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LANE CYPRESS, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $1 | $356 | 0.18% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $173 | $303 | 0.15% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY, SUITE 340 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $0 | $254 | 0.13% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $0 | $222 | 0.11% |
| LYNN DEE BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.09% |
| SANDRA DRIVER3 | PO BOX 233 WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $2 | $176 | 0.09% |
| CONSTANZA BEATRIZ FORBES3 | 373 FM 1903 GREENVILLE, TX 75402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $5 | $165 | 0.08% |
| FRANCISCO X CABRERA3 | 8616 PALMER COURT MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.07% |
| ERNESTO ELOY GARCIA3 | 5931 REIGER AVE DALLAS, TX 75214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.06% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $45 | $111 | 0.06% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.05% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DRIVE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.03% |
| PATRICK ALLEN BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.03% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $22 | $52 | 0.03% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.02% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LANE APARTMENT 2020 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LANE LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| COBB BENEFITS GROUP LLC3 | 5530 TAMARON CT DALLAS, TX 75287 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.17% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $743K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $77K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 222 | $277K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 222 | $199K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 222 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.