| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAMATIS,KRISTOPHER,PAUL3 | 4848 LEMMON AVENUE DALLAS, TX 75219 | AMERITAS LIFE INSRUANCE CORP. | $4K | — | $4K | 15.00% |
| JGBENEFITS CONSULTANTS3 | 12300 FORD ROAD FARMERS BRANCH, TX 75234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | $0 | $656 | 9.06% |
| KRISTOPHER PAUL STAMATIS3 Filed as: KRISTOPHER STAMATIS | 4848 LEMMON AVENUE DALLAS, TX 75219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | $18 | $468 | 6.46% |
| RUBEN D PEREZ3 | 6352 ALCOM AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $2 | $439 | 6.06% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $54 | $120 | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED BENEFITS ADMINSTRATORS PROVIDER | Other insurance fees and expenses; Other services Service code 49 | 8150 NORTH CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | $16K |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $7K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSRUANCE CORP. | 121 | $37K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSRUANCE CORP. | 121 | $37K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.