| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LMA BENEFITS AGENCY LLC3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57K | $1K | $58K | 24.13% |
| ASHLEY MARIE ENGLAND3 | 225 BYNUM LANE ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $547 | $15K | 6.31% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 0.79% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $146 | $218 | 0.09% |
| HILTON PAINTER ASSOC INC3 | PO BOX 639 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.07% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $53 | $125 | 0.05% |
| ANDREA CAROL WINTER3 | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.04% |
| LES MILLER3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.03% |
| JANI S FREEMAN3 | PO BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| ANNELLA MARTIN3 | 730 LAKEVIEW DR COLEMAN, TX 76834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LMA BENEFITS AGENCY LLC3 Filed as: LMA BENEFIT AGENCY LLC | 5663 MEADOW DR ABILENE, TX 796065357 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.95% |
| LESLIE MILLER3 | 5663 MEADOW DR ABILENE, TX 796065357 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $242K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $131K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 252 | $373K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $242K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $131K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 252 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.