| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $404 | $8K | 6.82% |
| REGINA SWINNEA3 | 21607 MT MCKINLEY WAY KATY, TX 77449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.52% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $295 | $2K | 1.51% |
| DONNA SWINNEA3 | 1814 N 17TH ST HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $621 | $709 | $1K | 1.20% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $411 | $921 | 0.83% |
| DORINA TREVINO3 | 3212 BELLAS HADAS EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $0 | $659 | 0.60% |
| SILVIA YANET MONSIVAIS3 | 700 DAWSON EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | $26 | $619 | 0.56% |
| RAMON ESPARZA3 | 516 N 7TH ST DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $0 | $545 | 0.49% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $126 | $538 | 0.49% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD ST MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $17 | $403 | 0.36% |
| ISSACMIRANDA3 | 4206 SAN GABRIEL ST #3201 MISSION, TX 78572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 0.25% |
| SAMUEL MORENO3 | 5820 N 25TH ST MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $1 | $82 | 0.07% |
| SCOTT BAKER3 | 5022 HOLLY RD STE 102 CORPUS CHRISTI, TX 78411 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 21.61% |
| 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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $10K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.