| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 100053500 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 10.43% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO OF TEXAS INC | 2000 WEST LOOP S STE 2150 HOUSTON, TX 770273513 | METROPOLITAN LIFE INSURANCE COMPANY | — | $366 | $366 | 0.33% |
| SANDRA DRIVER3 Filed as: SANDRA DRIVE | PO BOX 233 WYLIE, TN 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $45 | $3K | 7.47% |
| MPART BENEFITS INC3 | 4621 GLEN HEALTHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | $213 | $662 | 1.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY STE 200 SUGAR LAND, TX 77478 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | — | $585 | 1.70% |
| CRYSTAL LBC LLC3 | 2000 WEST LOOP SOUTH HOUSTON, TX 77027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $74 | $493 | 1.43% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DR. WYLIE, TX 75908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | C/O MARSH AND MCLENNAN DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST STE 800 FT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.53% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AGENCY INC | 840 GESSNER RD HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.51% |
| MARY BETH HARRIS3 | 6002 BLUE BAY DRIVE DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.41% |
| CHALSEE CANTRELL3 | 1007 THISTLE DR MESQUITE, TX 75149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.10% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $110K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $144K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $34K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $144K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.