| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS LLC | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $106K | $118K | 5.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ALKALI LLC3 | — | HAWAII MEDICAL SERVICES ASSOCIATION | — | — | $0 | 0.00% |
| RYAN G YOUNG3 | 801 NORTH NURSERY ROAD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $529 | $896 | 22.75% |
| SUSAN J KUDDES3 | 510 CAP ROCK DRIVE RICHARDSON, TX 75080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 5.64% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $36 | $87 | 2.21% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $20 | $47 | 1.19% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.04% |
| AHRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.58% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.43% |
| PATRICIA A YEATS3 | PO BOX 500 COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.43% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.36% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $295 | — | $295 | 9.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 NORTH CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | — | $79 | 10.94% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $2.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $2.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $32K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $36K |
| Prescription drug | HAWAII MEDICAL SERVICES ASSOCIATION | 0 | $14K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.