| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 8605 AIRPORT FREEWAY NORTH RICHLAND HILLS, TX 76180 | AETNA LIFE INSURANCE COMPANY | $4K | $24K | $28K | 5.39% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY DALLAS, TX 75244 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $385 | $3K | 15.69% |
| SHAUN PATRICK CLARK3 | 2401 SPRINGHILL AVENUE FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $831 | $2K | $3K | 15.30% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $326 | $165 | $491 | 2.36% |
| DEBORAH L. OLSON3 | 8401 BREATHE OUT WAY PANAMA CITY BEACH, FL 32413 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $471 | $0 | $471 | 2.27% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $148 | $355 | 1.71% |
| DIANE CAROLYN COPEMAN3 | 4614 MARSEILLE DRIVE ARLINGTON, TX 76013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $26 | $66 | 0.32% |
| KALEB OGOLINI3 | 3013 PARKSIDE DRIVE PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.08% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.91% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 121 | $518K |
| Dental | AETNA LIFE INSURANCE COMPANY | 121 | $512K |
| Vision | AETNA LIFE INSURANCE COMPANY | 121 | $512K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 91 | $28K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $21K |
| Prescription drug | LYRIC | 90 | $6K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 91 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.