| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH & PICKETT INS., LLP | PO BOX 431 SAN ANGELO, TX 76902 | BLUE CROSS BLUE SHIELD OF TEXAS | $48K | $1K | $50K | 4.19% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL L & A AGENTS (SEE ATTACHED | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $19K | $702 | $20K | 21.17% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH & PICKETT INS., LLP | PO BOX 431 SAN ANGELO, TX 76902 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 11.91% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 231 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 231 | $1.2M |
| Vision | HUMANA INSURANCE COMPANY | 122 | $45K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 122 | $137K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 70 | $92K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 122 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.