| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ONE MANAGEMENT INC3 Filed as: INSURANCE ONE MANAGEMENT, INC. | 1309 WEST WALL STREET MIDLAND, TX 79701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.17% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES, INC. | 7008 SALEM AVENUE, SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.99% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS. AGENCY & OTHER AGENTS | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $123 | $1K | 1.26% |
| PAULA GAIL NEAL3 | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | $0 | $856 | 0.89% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $788 | $0 | $788 | 0.82% |
| JACOB GOSCH3 | 4205 IRVIN DRIVE MIDLAND, TX 79705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 0.25% |
| FRANCIS M ALEMAN3 Filed as: FRANCIS M. ALEMAN | PO BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $0 | $227 | 0.24% |
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 | 26 | 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) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $96K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.