| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE 1000 AUSTIN, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $59K | — | $59K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 301 CONGRESS STE 1000 AUSTIN, TX 75231 | SYMETRA LIFE INSUARANCE COMPANY | $14K | $2K | $16K | 17.43% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $16K | $29K | 37.91% |
| CONNIE R FOX3 Filed as: CONNIE R. FOX | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 17.13% |
| SA GENERALAGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 3.94% |
| FRANCES M ALEMAN3 Filed as: FRANCES M. ALEMAN | PO BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $178 | $3K | 3.27% |
| MARIA DEL PADILLA3 | 148 STILL BROOK LN CIBOLO, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $829 | $2K | 3.22% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $6 | $1K | 1.86% |
| PAULA GAIL NEAL3 | 610 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $225 | $1K | 1.85% |
| JESSIE LEE BLAGG3 | 309 LAGUNA SECA LANE 2702 ROUND ROCK, TX 78664 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | — | $579 | 0.76% |
| MELODIE F FONTENOT3 Filed as: MELODIE F. FONTENOT | 6812 WAYNE AVENUE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $88 | $340 | 0.44% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES, INC. | 6812 WAYNE AVE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $160 | $236 | 0.31% |
| BRIAN WHITE3 Filed as: BRIAN R. MADTES | 1308 JAMES COOK WINDCREST, TX 79239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $5 | $201 | 0.26% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $31 | $49 | 0.06% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| KYLA KLEMME3 | 2270 FALCON WAY NEW BRAUNFELS, TX 78130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 549 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSUARANCE COMPANY | 534 | $168K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.