| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFG & M LP3 Filed as: EFG&M LP | 595 ROUND ROCK WEST DRIVE SUITE 205 ROUND ROCK, TX 78681 | BLUECROSS BLUESHIELD OF TEXAS | $129K | $0 | $129K | 5.36% |
| GLORIA B WHITE3 | 3605 STECK AVENUE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 6.55% |
| JAY MILTON MESSER3 | 614 CAPITAL OF TEXAS HIGHWAY SOUTH AUSTIN, TX 78746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 5.75% |
| ROBERT RUSHING3 | 223 WEST ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.17% |
| DYANA DALYNN BULLOCK3 | 7903 MOZART STREET ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $67 | $4K | 2.00% |
| CHARLENE CASTILLO3 Filed as: CHARLENE CASTILLO AND MISC AGENTS | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $422 | $3K | 1.31% |
| BILLY MARK ROBERSON6 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $43 | $2K | 0.82% |
| CHELSEA DAWNE VAN VLIET3 | 3265 ELIZABETH ANNE LANE ROUND ROCK, TX 78664 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $48 | $677 | 0.31% |
| EFG & M LP3 Filed as: EFG&M LP | 595 ROUND ROCK WEST DRIVE SUITE 205 ROUND ROCK, TX 78681 | DEARBORN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.53% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 387 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 387 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 365 | $160K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 365 | $160K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $219K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 365 | $160K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 387 | $2.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 365 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.