| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LMA BENEFITS3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | SHA, L.L.C. | $30K | — | $30K | 5.00% |
| LMA BENEFITS3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | SOUTHWEST LIFE AND HEALTH | $16K | — | $16K | 5.00% |
| LES MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $476 | $29K | 21.31% |
| ASHLEY MARIE ENGLAND3 | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $142 | $7K | 4.83% |
| HILTON PAINTER ASSOC INC3 | PO BOX 639 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.18% |
| ANDREA CAROL WINTER3 | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.10% |
| JANI S FREEMAN3 | PO BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| DIA MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LESLIE MILLER3 Filed as: LESLIE ARTHUR MILLER | 2249 INDUSTRIAL BLVD ABILENE, TX 79602 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 9.84% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHA, L.L.C. | 131 | $1.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 134 | $77K |
| Vision | UNION SECURITY INSURANCE COMPANY | 134 | $77K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $215K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $138K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 134 | $77K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.