| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JGBENEFITS CONSULTANTS3 | 12300 FORD ROAD FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $426 | $3K | 12.44% |
| KRISTOPHER PAUL STAMATIS3 Filed as: KRISTOPHER STAMATIS | 9100 TWIN MILLS BLVD FT WORTH, TX 76179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $398 | $3K | 10.13% |
| LINDA DUARTE3 | 1210 SOUTH LAMAR ST DALLAS, TX 75215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $27 | $2K | 5.88% |
| THRIVE BENEFITS LLC3 Filed as: THRIVE BENEFITS | 12300 FORD RD STE 75234 FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $44 | $193 | 0.75% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DR FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $24 | $75 | 0.29% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $14 | $19 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED BENEFITS ADMINSTRATORS PROVIDER | Other insurance fees and expenses; Other services Service code 49 | 8150 NORTH CENTRAL EXPRESSWAY 1700 DALAS, TX 75206 | $21K |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46 | — |
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.