| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL OF NORTH TEXAS INSURANCE3 Filed as: COLONIAL OF NORTH TEXAS INS | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $22K | $46K | 13.54% |
| LORD AND OSBORN INSURANCE Filed as: LORD AND OSBORN INS SVCS INC | PO BOX 117133 CARROLLTON, TX 75011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33K | — | $33K | 9.52% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 4.35% |
| FRANCISCO X CABRERA3 | PO BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $469 | $6K | 1.66% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.41% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $949 | $3K | 0.87% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $138 | $3K | 0.83% |
| KAREN KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $137 | $2K | 0.69% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $265 | $2K | 0.49% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $82 | $1K | 0.32% |
| IRIS DOYLE3 | 1050 LAKE CAROLYN PARKWAY IRVIN, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $764 | $34 | $798 | 0.23% |
| AHRENS BENEFITS COMMUNICATIONS INC Filed as: AHRENS BENEFITS COMMICATIONS | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.14% |
| REBECCA G DEJESUS | 2901 RAVEN CIR FLOWER MOUND, TX 75022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.06% |
| BRIAN COHEN | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.05% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $7 | $79 | 0.02% |
| DAVID EVANS | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| SANDRA DRIVER | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EMILIO ESPINOZA PORTILLO | 4309 BRADLEY LN ARLINGTON, TX 76017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARIA VANDYKE Filed as: MARIA ESCALONA | PO BOX 202587 ARLINGTON, TX 76006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DEBORAH A CHILDRESS | 1907 ASH STREET TEXARKANA, AR 71854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHERRY M ALLBRITTON | 3809 WINDING ROAD ARTLNGTON, TX 76016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 319 | $343K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 319 | $343K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 319 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.