| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOYCE M PURSELLEY3 | 1151 E RENDON CROWLEY RD BURLESON, TX 76028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 0.52% |
| JOYCE M PURSELLEY3 | 1151 E. RENDON CROWLEY RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.57% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.69% |
| CHRISTOPHER D TYLER3 Filed as: CHRISTOPHER D. TYLER | 714 SEYMOUR DR. FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.93% |
| AMARILIS ALTAGRACIA CSIKORTOS3 | 480 CREEK TERRACE DRIVE SAGINAW, TX 76131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $653 | $3K | 2.07% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | — | $510 | 0.38% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR. MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 0.18% |
| JOYCE M PURSELLEY3 | 4644 E FM 1187 BURLESON, TX 76028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 16.36% |
| JOYCE M PURSELLEY3 | 4644 E FM 1187 BURLESON, TX 76028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $391 | — | $391 | 16.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Other services; Contract Administrator; Participant communication; Non-monetary compensation; Direct payment from the plan; Claims processing; Float revenue; Named fiduciary Service code 12 | — | $86K |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 227 | $165K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.