| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | BLUE CROSS BLUE SHIELD OF TEXAS | $65K | $4 | $65K | 2.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | UNKNOWN FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $46K | $8K | $54K | 2.26% |
| CHRISTOPHER MICHAEL MENDEZ3 Filed as: CHRISTOPHER MENDEZ | 6102 COPER SKY COURT MIDLAND, TX 79705 | AFLAC | $8K | $0 | $8K | 13.42% |
| SARA MENDEZ3 | 6102 COPPER SKY COURT MIDLAND, TX 79705 | AFLAC | $5K | $0 | $5K | 8.87% |
| MANUEL RONQUILLO3 Filed as: MANUEL RONQUILLIO | 2720 ROGER AVENUE ODESSA, TX 79762 | AFLAC | $3K | $0 | $3K | 5.91% |
| MATTHEW D ALLISON3 Filed as: MATTHEW ALLISON | 1340 EAST 7TH STREET, SUITE 270 ODESSA, TX 79761 | AFLAC | $3K | $0 | $3K | 4.68% |
| JENNIFER OHLSSON AND MISC AGENTS3 | 200 EAST SHANDON AVENUE MIDLAND, TX 79705 | AFLAC | $3K | $8 | $3K | 4.56% |
| ZACHARY FOX3 | 4420 VILLAGE WAY ODESSA, TX 79762 | AFLAC | $3K | $0 | $3K | 4.45% |
| SANDRA K RONQUILLO3 Filed as: SANDRA RONQUILLO | 1207 WEST UNIVERSITY BOULEVARD SUITE C ODESSA, TX 79764 | AFLAC | $2K | $0 | $2K | 3.51% |
| MANUEL FUENTES3 Filed as: MANUEL FUENTES AND MISC. AGENTS | 63 MARIPOSA PARKWAY WEST BOEME, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $863 | $4 | $867 | 1.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | UNKNOWN FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $818 | $0 | $818 | 1.53% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $663 | $0 | $663 | 1.24% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | 0.46% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 0.41% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | $0 | $186 | 0.35% |
| PAUL JARAMILLO3 | 603 SOUTH AVENUE L CLIFTON, TX 76634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $2 | $162 | 0.30% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.79% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 406 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 406 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 349 | $41K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 349 | $95K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 249 | $111K |
| Long-term disability | AFLAC | 249 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 406 | $2.4M |
| Other(3 contracts, 3 carriers) | AFLAC | 349 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.