| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | PO BOX 369 ROSELAND, NJ 07068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146K | $0 | $146K | 13.29% |
| MJ INSURANCE3 Filed as: SANTIAGO OCHOA AND VARIOUS AGENTS | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60K | $7K | $67K | 6.07% |
| LYNN DEE BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47K | $10K | $57K | 5.16% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $16K | $51K | 4.61% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $13K | $20K | 1.80% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LANE APARTMENT 2102 IRVING, TX 75061 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $3K | $13K | 1.19% |
| VERA ANN PAREDES3 | PO BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $11K | 1.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | PO BOX 369 ROSELAND, NJ 07068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50K | $0 | $50K | 9.13% |
| LYNN DEE BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $7K | $32K | 5.83% |
| SA GENERAL AGENCY AND OTHER AGENTS3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $3K | $31K | 5.74% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 4.49% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $282 | $19K | 3.49% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LANE APARTMENT 2102 IRVING, TX 75061 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 1.62% |
| VERA ANN PAREDES3 | PO BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $395 | $6K | 1.08% |
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 | 1,476 | 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) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 1,476 | $1.6M |
| Other(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 1,476 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.