| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPSTONE STRATEGIES LLC3 | 1002 W WALL ST MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $66K | $936 | $67K | 6.51% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $890 | $47 | $937 | 4.27% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $428 | — | $428 | 1.95% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $169 | $42 | $211 | 0.96% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $92 | $12 | $104 | 0.47% |
| JAMES MARK YOUNG3 | 6039 WHITBY RD APT 806 SAN ANTONIO, TX 78240 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $96 | — | $96 | 0.44% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $57 | $1 | $58 | 0.26% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $25 | — | $25 | 0.11% |
| PAULA GAIL NEAL3 | 610 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.03% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.00% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $258 | $1K | 13.12% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $641 | $250 | $891 | 10.03% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $74 | $128 | 1.44% |
| JAMES MARK YOUNG3 | 6039 WHITBY RD APT 806 SAN ANTONIO, TX 78240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.98% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $6 | $55 | 0.62% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.26% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $2 | $113 | 3.55% |
| CONNIE R FOX3 Filed as: CONNIE R. FOX | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.26% |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.79% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.41% |
| JAMES MARK YOUNG3 | 6039 WHITBY RD APT 806 SAN ANTONIO, TX 78240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.35% |
| SHARON JANICE RAMIREZ3 | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.28% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 184 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 16 | $34K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 16 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.