| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | BLUECROSS BLUESHEILF OF TEXAS | $15K | $2K | $17K | 2.69% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUECROSS BLUESHEILF OF TEXAS | $14K | $0 | $14K | 2.28% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC. | 4851 LBJ FREEWAY DALLAS, TX 75244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $888 | $5K | 10.23% |
| DEBORAH L. OLSON3 Filed as: DEBORAH OLSON | 24555 US HIGHWAY 331 S SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $118 | $4K | 9.85% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 4.99% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 100 ALBRIGHT LN PRESPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $534 | $1K | 2.82% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $0 | $273 | 0.62% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $16 | $42 | 0.09% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $16 | $37 | 0.08% |
| PAULA GAIL NEAL3 | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.03% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES, INC. | 4402 93RD DR. LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.03% |
| DANIEL THOMAS CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| LUBBOCK INSURANCE PARTNERS, LP3 Filed as: LUBBOCK INSURANCE PARTNERS LP | BOX 830 WOLFFORTH, TX 79382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| JENNIFER LOEFFLER3 | 4455 MASON RD. CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.02% |
| OVERALL BENEFITS GROUP LLC3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| FRANCIS M ALEMAN3 | PO BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.65% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.04% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILF OF TEXAS | 102 | $624K |
| Dental | BLUECROSS BLUESHEILF OF TEXAS | 102 | $624K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 167 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 167 | $27K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 167 | $27K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 167 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.