| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | SANA BENEFITS INC | $36K | $0 | $36K | 9.95% |
| CAROL A BAKER3 | 2318 PROMONTORY PT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $57 | $10K | 7.59% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $474 | $2K | 1.34% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $892 | $0 | $892 | 0.67% |
| WENDY E GUAJARDO-RANGEL3 | 3083 HERSCHEL AVE APT 221 DALLAS, TX 75219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $27 | $334 | 0.25% |
| WALTER M SEVERN3 | 3437 GARRETT LANE TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 0.23% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.04% |
| SHERRY M ALLBRITTON3 | 3809 WINDING RD ARLINGTON, TX 76016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.03% |
| BAKER, CAROL A3 | 2318 PROMONTORY PT PLANO, TX 75075 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | — |
| PARKER, SALLY3 | 309 WINDMILL DR LAVON, TX 75166 | HUMANA INSURANCE COMPANY | -$29 | $0 | -$29 | — |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 78 | $0 |
| Vision | HUMANA INSURANCE COMPANY | 78 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $134K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $134K |
| Stop-loss / reinsurancereinsurance | SANA BENEFITS INC | 110 | $360K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.