| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM 1187 BURLESON, TX 76028 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 8.85% |
| JOYCE M PURSELLEY3 | 1151 E. RENDON CROWLEY RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 13.05% |
| CHRISTOPHER D TYLER3 Filed as: CHRISTOPHER D. TYLER | 714 SEYMOUR DR. FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $893 | $7K | 9.22% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $128 | $4K | 5.74% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST. IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.35% |
| PENELOPE ROSAS3 | 1521 SUNFLOWER DR. ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $295 | $2K | 2.58% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR. MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| JULIAN OLALDE3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $22 | $884 | 1.16% |
| ISRAEL GARZA3 | 3400 CRAIG DR. APT. 1813 MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $116 | $227 | 0.30% |
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM HWY 1187 BURLESON, TX 76028 | VISION SERVICE PLAN | $861 | — | $861 | 6.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Other services; Float revenue; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $77K |
| CIGNA HEALTH & LIFE INSURANCE CO | Non-monetary compensation; Float revenue; Participant communication; Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $0 |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 135 | $117K |
| Vision | VISION SERVICE PLAN | 103 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 135 | $193K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 135 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.