| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNELLA MARTIN3 | 730 LAKESIDE DRIVE COLEMAN, TX 76834 | COLONIAL LIFE | $3K | — | $3K | 5.86% |
| JAMES COLEMAN BAKER3 | 3338 TANGLEWOOD DR SAN ANGELO, TX 76904 | COLONIAL LIFE | $2K | — | $2K | 4.67% |
| GPS INSURANCE AGENCY LLC3 | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $1K | $16 | $1K | 3.22% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE | $282 | $423 | $705 | 1.56% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE | $377 | $19 | $396 | 0.88% |
| LES MILLER3 | P O BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE | $21 | — | $21 | 0.05% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO WALKER | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | COLONIAL LIFE | $14 | — | $14 | 0.03% |
| JANI S FREEMAN3 Filed as: JANI FREEMAN | P O BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE | $8 | — | $8 | 0.02% |
| CHARLENE CASTILLO3 | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE | $1 | — | $1 | 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 | 63 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLONIAL LIFE | 64 | $45K |
| Other | COLONIAL LIFE | 64 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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.