| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | C/O PREMIUM TRUST DEPT 2027 PO BOX 29675 PHOENIX, AZ 850389675 | HM LIFE INSURANCE COMPANY | $67K | $0 | $67K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGY INC-SAN ANTONIO | 3611 PAESANOS PKWY SAN ANTONIO, TX 78231 | HUMANA INSURANCE COMPANY | $11K | $0 | $11K | 5.98% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSUARANCE AGENCY INC | 2950 N HARWOOD ST DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 5.14% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 8.37% |
| JACQUELINE ST HILAIRE3 | 4804 NOCONA DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $43 | $6K | 3.77% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $512 | $3K | 1.69% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $550 | $2K | 1.44% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $806 | $2K | 1.33% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $11 | $383 | 0.26% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $0 | $257 | 0.17% |
| JENNIFER RICHARDS3 | 2601 SCOTT AVE FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.15% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LN APT 2102 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 0.13% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $34 | $171 | 0.12% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $64 | $162 | 0.11% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.10% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.08% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $7 | $99 | 0.07% |
| EDWARD W OFRIA3 | 302 MEADOWCREST DR RICHARDSON, TX 75080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $27 | $62 | 0.04% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $0 | $9K | 15.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSUARANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $0 | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $149K |
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 | 239 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 204 | $179K |
| Vision | HUMANA INSURANCE COMPANY | 204 | $179K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 243 | $212K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 240 | $36K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 219 | $449K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 240 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.