| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPSTONE STRATEGIES LLC3 | 1002 W WALL ST MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $945 | $31K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX, LLC | 306 W WALL ST, SUITE 811 MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $21K | — | $21K | 2.07% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $281 | $1K | 4.51% |
| CONNIE R FOX3 Filed as: CONNIE R. FOX | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 1.45% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $51 | $331 | 1.21% |
| MANUAL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $73 | $263 | 0.96% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $75 | $107 | 0.39% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.30% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| PAULA GAIL NEAL3 Filed as: PAULA GAIN NEAL | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 10.42% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $265 | $2K | 6.21% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $967 | $383 | $1K | 5.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARY, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $397 | $567 | 2.25% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.15% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $59 | $54 | $113 | 6.20% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $39 | $9 | $48 | 2.63% |
| MANUAL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $28 | $11 | $39 | 2.14% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $12 | — | $12 | 0.66% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | $8 | $11 | 0.60% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.16% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.11% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $0 | — | $0 | 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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 160 | $998K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $54K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.