| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 5.00% |
| PARAGON ADVISORY LLC | 501 NE 5TH TERRACE FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| MICHAEL SNYDER3 | 19518 KILBURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $229 | $1K | 2.17% |
| WINNIE L LAMBERT3 Filed as: WINNIE LAMB LAMBERT | 501 NE 5TH TERRACE FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $860 | $0 | $860 | 1.67% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $181 | $404 | 0.78% |
| BEVERLY A SPEIER | 2012 US 221 HWY N RUTHERFORDTON, NC 28139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $12 | $255 | 0.49% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $93 | $235 | 0.46% |
| DOUGLAS B FIKE3 Filed as: DOUGLAS B. FIKE | 4012 BRANDYCHASE WAY CINCINNATI, OH 45245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 0.45% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.40% |
| GARY W PRICE3 Filed as: GARY PRICE | 212 GRANDE BLVD TYLER, TX 75703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.12% |
| SHARY FULLER3 | 172 CR 3035 NEWTON, TX 75966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.09% |
| CATHERINE RACHEL WARNER3 | 3002 CLOVERDALE DR. LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.06% |
| SHELLIE LYN COX3 | 3004 KEYSTONE ST LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| BILLY MARK ROBERSON | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $7 | $25 | 0.05% |
| CHERRY G MARTIN INS AGENCY INC3 Filed as: CHERRY MARTIN INS AGENCY INC. | 3214 CRENSHAW LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| DELORES J KARISCH3 Filed as: DELORES J. KARISCH | PO BOX 40752 HOUSTON, TX 77240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| DIANN MORRIS3 | PO BOX 1653 WHITEHOUSE, TX 75791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 641 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 641 | $2.9M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 641 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 406 | $118K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $52K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 406 | $118K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 641 | $2.9M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 641 | $2.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 406 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.