| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $28 | $6K | 5.69% |
| REGINA SWINNEA3 | 15650 WALDEN RD #3106 MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.71% |
| DONNA SWINNEA3 | 1814 N 17TH ST HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.46% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $172 | $1K | 1.29% |
| SAMUEL MORENO3 | 5820 N 25TH ST MCALLEN, TX 78504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $68 | $1K | 1.09% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $592 | $215 | $807 | 0.73% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $397 | $78 | $475 | 0.43% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $386 | $78 | $464 | 0.42% |
| ISRAEL GARZA3 | 1105 E LEGGETT HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $377 | $0 | $377 | 0.34% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 0.18% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD. MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.08% |
| SCOTT M BAKER3 | 5022 HOLLY RD #102 CORPUS CHRISTI, TX 78411 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 18.28% |
| REGINA SWINNEA3 Filed as: REGINA G SWINNEA | 21607 MT MCKINLEY WAY KATY, TX 77449 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| REGINA SWINNEA3 Filed as: REGINA G SWINNEA | 21607 MT MCKINLEY WAY KATY, TX 77449 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $10K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 128 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.