| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 303 NORTH OREGON STREET, SUITE 210 EL PASO, TX 79901 | CURATIVE INSURANCE COMPANY | $38K | $0 | $38K | 4.63% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 9.45% |
| MARGARITA CANALES3 Filed as: MARGARITA CANALES & OTHER AGENTS | 6201 ESCONDIDO DRIVE, APARTMENT 11A EI PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $989 | $10K | 5.64% |
| MERKI BENEFITS ADMINISTRATION LLC3 Filed as: MERKI BENEFITS ADMINISTRATION, LLC | 326 VILLA CANTO STREET EI PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $6K | $9K | 5.26% |
| ALEXA ISABELLA MERCADO3 | 652 WIND RIVER AVENUE EI PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.62% |
| JACQUELINE PAPKE GONZALEZ3 | 5552 FERNWOOD CIRCLE EI PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $869 | $4K | 2.51% |
| MARIA GRACIELA PAMANES3 | 5780 MIRA GRANDE DRIVE EI PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.28% |
| KORINA ISELA BOTELLO3 | 7212 DESERT EAGLE DRIVE EI PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $853 | $3K | 1.84% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $467 | $6K | 10.91% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 105 | $816K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 213 | $51K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 213 | $51K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 200 | $172K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 105 | $816K |
| Other(2 contracts, 2 carriers) | CURATIVE INSURANCE COMPANY | 200 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
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.