| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, LANE 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.05% |
| PAIGE HOPKINS3 | 355 KENILWORTH AVE KENILWORTH, IL 60043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $62K | $101K | 77.43% |
| GREGORY ALLEN BATTEN3 | 2026 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 8.54% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $4K | $9K | 7.24% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $896 | $6K | 4.31% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE, STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.30% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $172 | $3K | 2.38% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $399 | $32 | $431 | 0.33% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $128 | $288 | 0.22% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR. THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $63 | $275 | 0.21% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $123 | $235 | 0.18% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.04% |
| WENDY E GUAJARDO-RANGEL3 | 3083 HERSCHEL AVE., APT. 221 DALLAS, TX 75219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 703 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 703 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 703 | $3.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 424 | $95K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 210 | $130K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 424 | $95K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 424 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.