| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $925 | $31K | 5.79% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.61% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $193 | $4K | 13.52% |
| DEBORAH L. OLSON3 | 24555 US HIGHWAY 331 S SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $717 | $3K | 9.83% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $285 | $754 | 2.45% |
| KALEB OGOLINI3 | 3013 PARKSIDE DRIVE PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $0 | $318 | 1.03% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $0 | $279 | 0.91% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 93 | $528K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 93 | $528K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 104 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 104 | $45K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $31K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 104 | $45K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 93 | $528K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 104 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.