| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $53K | $60K | 2.82% |
| JOYCE M PURSELLEY3 | 1151 E RENDON CROWLEY RD BURLESON, TX 76028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $37K | $42K | 1.96% |
| CHRISTOPHER D TYLER3 Filed as: CHRISTOPHER D. TYLER | 714 SEYMOUR DR. FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 8.08% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 7.45% |
| AMARILIS ALTAGRACIA CSIKORTOS3 | 480 CREEK TERRACE DRIVE SAGINAW, TX 76131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.24% |
| JOYCE M PURSELLEY3 | 1151 E. RENDON CROWLEY RD. BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.73% |
| JULIAN OLALDE Filed as: JULIAN GABRIEL OLALDE | 342 SAGEMEADOW RD WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.38% |
| PATRICIA HERNANDEZ3 | 4313 AUGUST DR GARLAND, TX 75041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL TEXAS INC | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 0.46% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR. MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.12% |
| ERNESTO ELOY GARCIA3 | 5931 REIGER AVE DALLAS, TX 75214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | — | $130 | 4.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Float revenue; Participant communication; Named fiduciary; Contract Administrator; Non-monetary compensation; Other services Service code 12 | — | $90K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 248 | $223K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.