| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL | AGENCY, LTD 225 SOUTH 5TH STREET WACO, TX 76791 | BLUECROSS BLUESHIELD OF TEXAS | $210K | — | $210K | 6.23% |
| INSURORS OF TEXAS3 Filed as: INSURORS OF TEXAS GENERAL AGEN | 225 SOUTH 5TH STREET WACO, TX 76791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 12.04% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS LIFE & HEALTH | 225 SOUTH 5TH STREET WACO, TX 76791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.48% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.40% |
| INSURORS OF TEXAS GENERAL AGENCY IN3 | 225 SOUTH 5TH STREET WACO, TX 76701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 24.64% |
| PAIGE HOPKINS3 | 355 KENILWORTH AVE KENILWORTH, IL 60043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 19.62% |
| JUAN R DE LA CRUZ JR3 | 8208 PRESTIGE COMMONS DR TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $587 | $3K | 15.12% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $744 | $1K | 6.15% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $351 | $1K | 5.83% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $354 | $532 | 2.87% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $40 | $372 | 2.00% |
| ANTHONY N TSIKITAS3 | 1003 79TH ST. NW BRADENTON, FL 34209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $2 | $291 | 1.57% |
| DANIELS SOLUTIONS LLC3 | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $26 | $48 | 0.26% |
| ELIZABETH LOUISE FENDER3 | 335 S. EMERSON AVE INDIANAPOLIS, IN 46219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $3 | $35 | 0.19% |
| MARC MAURICIO MORROW3 | 30218 VINEBRIAR DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $6 | $35 | 0.19% |
| SABRINA S RAMOS3 | 13750 W. COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.09% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | 0.06% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.03% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JUAN PABLO CONTESSE3 | 9417 SW 76 STREET X-17 MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 501 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $377K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $377K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $377K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $377K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $377K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.