| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LMA BENEFITS3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | SHA, L.L.C. | $35K | — | $35K | 6.69% |
| LMA BENEFITS3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | SOUTHWEST LIFE AND HEALTH | $16K | — | $16K | 5.93% |
| LES MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $627 | $34K | 26.09% |
| ASHLEY MARIE ENGLAND3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $352 | $8K | 5.95% |
| HILTON PAINTER ASSOC INC3 | PO BOX 639 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 0.20% |
| ANDREA CAROL WINTER3 | 45 CYPRESS POINT ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.11% |
| JANI S FREEMAN3 | PO BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPRESSWAY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 78034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $14 | $25 | 0.02% |
| GARY P QUANDT3 | 3206 YORKTOWN DR SAN ANTONIA, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.01% |
| DIA MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| HILTON PAINTER ASSOCIATES INC3 | 201 W ADAMS BROWNWOOD, TX 768012822 | AMERITAS LIFE INSURANCE CORP | $3K | $1K | $4K | 8.16% |
| CRAIG SHAW3 | 3005 S TREADWAY BLVD ABILENE, TX 796026729 | METROPOLITAN LIFE INSURANCE COMPANY | $664 | — | $664 | — |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHA, L.L.C. | 161 | $923K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 220 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 220 | $54K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.