| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $79K | $5K | $83K | 4.81% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 150 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $19K | $6K | $25K | 19.16% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY DALLAS, TX 75244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $257 | $3K | 16.42% |
| DEBORAH L. OLSON3 | 8401 BREATHE OUT WAY PANAMA CITY BEACH, FL 32413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $795 | $2 | $797 | 3.92% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $101 | $330 | 1.62% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $60 | $201 | 0.99% |
| BRANDY R BYERS3 Filed as: BRANDY R. BYERS | 9766 STONEHEARTH LANE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.63% |
| INGLE BENEFITS LLC3 Filed as: INGLE BENEFITS, LLC AND OTHER AGENT | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $52 | $101 | 0.50% |
| KALEB OGOLINI3 | 3013 PARKSIDE DRIVE PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.43% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 225 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 225 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 95 | $131K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 95 | $131K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 95 | $131K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 95 | $131K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 225 | $1.7M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 95 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.