| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY J ALLBRITTON3 Filed as: LARRY J. ALLBRITTON | 5105 WILDER TRAIL SHERMAN, TX 75092 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.86% |
| ROBERT K PALMER3 Filed as: ROBERT K. PALMER | 415 FORMAN AVENUE NORMAN, OK 73069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.65% |
| JOSEPH F PALMER3 Filed as: JOSEPH F. PALMER | PO BOX 270658 OKLAHOMA CITY, OK 73137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.22% |
| COLONIAL OF NORTH TEXAS INSURANCE3 Filed as: COLONIAL OF NORTH TEXAS INS. GROUP | 4621 GLEN HEALTHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 8,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 634 | $5.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 14,726 | $3.3M |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 7,786 | $806K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK | 634 | $5.3M |
| Other(2 contracts, 2 carriers) | MAGELLAN BEHAVIORAL HEALTH | 20,738 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,738 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.