| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNELLA MARTIN3 | 730 LAKEVIEW DR COLEMAN, TX 76834 | COLONIAL LIFE | $3K | — | $3K | 6.20% |
| JAMES COLEMAN BAKER3 | 3338 TANGLEWOOD DR SAN ANGELO, TX 76904 | COLONIAL LIFE | $2K | — | $2K | 4.46% |
| GPS INSURANCE AGENCY LLC3 Filed as: GPS INSURANCE AGENCY | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $858 | $4 | $862 | 2.10% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE | $266 | $132 | $398 | 0.97% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE | $214 | — | $214 | 0.52% |
| PATRICK ALLEN BAKER3 | 4606 WINDCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE | $107 | $72 | $179 | 0.44% |
| LES MILLER3 | P O BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE | $11 | — | $11 | 0.03% |
| HANNAH C JOHNSON3 | P O BOX 489 WINTERS, TX 79567 | COLONIAL LIFE | $8 | — | $8 | 0.02% |
| JANI S FREEMAN3 | P O BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE | $6 | — | $6 | 0.01% |
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 | 71 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLONIAL LIFE | 73 | $41K |
| Other | COLONIAL LIFE | 73 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.