| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 2950 N HARWOOD DR STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 20.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | SVS LLP 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.04% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $922 | $12K | 32.92% |
| JACQUELINE ST HILAIRE3 | 4804 NOCONA DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 11.82% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 7.66% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $389 | $2K | 6.17% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $466 | $2K | 5.28% |
| VICTOR MICHAEL LABORDE3 | RR 6 BOX 450 LONGVIEW, TX 75603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 3.95% |
| WILLIAM HARVEY3 | 212 OLD GRANDE BLVD. TYLER, TX 75703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 1.14% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N COLEMAN STREET MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $4 | $407 | 1.12% |
| SHELLIE LYN COX3 | 3004 KEYSTONE ST LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.16% |
| STUART DUNKLE3 | 7316 GRAYSON DR. PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | 0.05% |
| GARY W PRICE3 | 212 GRANDE BLVD. TYLER, TX 75703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | SUPERIOR VISION PLAN OF TEXAS | $2K | — | $2K | 9.09% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINL SVCS LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | ALLSTATE | $424 | — | $424 | 4.75% |
| USB HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76051 | ALLSTATE | $10 | — | $10 | 0.11% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | ALLSTATE | $8 | — | $8 | 0.09% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | ALLSTATE | $6 | — | $6 | 0.07% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 24 | $9K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 479 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 356 | $183K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 356 | $183K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 356 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.