| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES COLEMAN BAKER3 | 3338 TANGLEWOOD DR SAN ANGELO, TX 76904 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 7.21% |
| CPS INSURANCE AGENTY LIC3 | P O BOX 489 WINTERS, TX 79567 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.40% |
| HANNAH C JOHNSON3 | P O BOX 489 WINTERS, TX 79567 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.58% |
| ANNELLA MARTIN3 | 730 LAKEVIEW DR COLEMAN, TX 76834 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.19% |
| YOLANDA ANN GONZALES3 | P O BOX 489 WINTERS, TX 79567 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.09% |
| PATRICK ALLEN BAKER3 | 4606 WINCHESTER DR BRYAN, TX 77802 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $3 | $498 | 0.90% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $223 | $324 | 0.58% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $12 | $113 | 0.20% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.20% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $0 | $104 | 0.19% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
| LES MILLER3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JANI S FREEMAN3 | P O BOX 2273 BROWNWOOD, TX 76804 | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $56K |
| Other | COLOIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.