| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 7600-C NORTH CAPITAL OF TEXAS HWY SUITE 200 AUSTIN, TX 78731 | HUMANA INSURANCE COMPANY | $33K | $332 | $34K | 5.01% |
| G ZUBIA ENTERPRISES INC3 Filed as: G. ZUBIA ENTERPRISES, INC. | 2417 MONTANA AVENUE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $6K | $13K | 11.53% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $218 | $8K | 7.52% |
| LUISA DE STAFANO AND OTHER AGENTS3 | 1265 SOUTHWESTERN DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $295 | $4K | 4.00% |
| LIZA VALERIA DOMINGUEZ3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $538 | $2K | 1.64% |
| FABIOLA VILLA3 | 2322 THREE RIVERS DRIVE EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $87 | $2K | 1.42% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $146 | $1K | 1.22% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 326 VILLA CANTO EL PASO, TX 79920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $409 | $1K | 1.13% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 121 | $674K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 121 | $0 |
| Vision | ACE AMERICAN INSURANCE COMPANY | 121 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $112K |
| Prescription drug | HUMANA INSURANCE COMPANY | 121 | $674K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 132 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.