| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD STUBBLEFIELD3 | 2322 MONARCH TERRACE DR. KATY, TX 77494 | CIGNA HEALTH & LIFE INSURANCE CO. | $10K | $713 | $11K | 11.08% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR. HOUSTON, TX 77042 | CIGNA HEALTH & LIFE INSURANCE CO. | $0 | $4K | $4K | 3.67% |
| CONNIE R FOX3 Filed as: CONNIE R. FOX | P.O. BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $63 | $3K | 5.57% |
| MONICA MARIE CORTEZ3 | 1511 S. TEXAS AVE COLLEGE STATION, TX 77840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 2.42% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $141 | $507 | 1.06% |
| DOMINGO MUNOZ3 | P.O. BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.19% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.18% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RONALD STUBBLEFIELD3 | 2322 MONARCH TERRACE DR. KATY, TX 77494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR. HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $544 | $544 | 7.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE CO. | 99 | $99K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $48K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $48K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.