| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LMA BENEFITS AGENCY LLC3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $792 | $43K | 20.31% |
| ASHLEY MARIE ENGLAND3 | 225 BYNUM LANE ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $198 | $12K | 5.79% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $175 | $2K | 0.91% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $232 | $308 | 0.14% |
| HILTON PAINTER ASSOC INC3 | PO BOX 639 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.06% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $32 | $108 | 0.05% |
| ANDREA CAROL WINTER3 | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.04% |
| LES MILLER3 | DBA LMA BENEFITS ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| JANI S FREEMAN3 | PO BOX 2273 BROWNWOOD, TX 76804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 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 | $12K | — | $12K | 10.92% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 159 | $214K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $113K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 242 | $326K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 159 | $214K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $113K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 242 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.