| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM 1187 BURLESON, TX 76028 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.03% |
| JOYCE M PURSELLEY3 | 1151 E. RENDON CROWLEY RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 9.71% |
| CHRISTOPHER D TYLER3 Filed as: CHRISTOPHER D. TYLER | 714 SEYMOUR DR. FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 7.84% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $721 | $4K | 4.22% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $178 | $2K | 2.31% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $164 | $2K | 2.07% |
| JULIAN OLALDE3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | — | $942 | 0.99% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR. MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 0.36% |
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM HWY 1187 BURLESON, TX 76028 | VISION SERVICE PLAN | $987 | — | $987 | 5.96% |
| JOYCE M PURSELLEY3 | 4644 E FM 1187 BURLESON, TX 76028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Float revenue; Named fiduciary; Participant communication; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $92K |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 256 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $129K |
| Vision | VISION SERVICE PLAN | 110 | $17K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 188 | $235K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 188 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.