| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNELLA MARTIN | 730 LAKEVILLE DRIVE COLEMAN, TX 76834 | COLONIAL LIFE | $5K | $270 | $5K | 11.30% |
| JAMES COLEMAN BAKER3 | 3338 TANGELWOOD DR SAN ANGELO, TX 76904 | COLONIAL LIFE | $4K | — | $4K | 10.10% |
| GPS INSURANCE AGENCY LLC3 | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $2K | $81 | $3K | 5.90% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE | $787 | $338 | $1K | 2.57% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE | $450 | $447 | $897 | 2.05% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO WALKER | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | COLONIAL LIFE | $712 | $45 | $757 | 1.73% |
| KELLY GEHRELS3 | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $180 | — | $180 | 0.41% |
| JAMES C GEHRELS3 | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $141 | — | $141 | 0.32% |
| LES MILLER3 | P O BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE | $38 | — | $38 | 0.09% |
| LOUIS J STALLINGS3 | 3194 OAK CREASE DR NW SALEM, OR 97304 | COLONIAL LIFE | $25 | — | $25 | 0.06% |
| JANI S FREEMAN3 | P O BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE | $14 | — | $14 | 0.03% |
| PATRICIA GILIS3 | 1938 ROAN DRIVE SAN ANTONIO, TX 78227 | COLONIAL LIFE | $11 | — | $11 | 0.03% |
| CHARLENE CASTILLO3 | 1260 PR 489 ELGIN, TX 78621 | COLONIAL LIFE | $7 | — | $7 | 0.02% |
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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLONIAL LIFE | 75 | $44K |
| Other | COLONIAL LIFE | 75 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.