| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE 1000 AUSTIN, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $120K | — | $120K | 4.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 301 CONGRESS STE 1000 AUSTIN, TX 75231 | SYMETRA LIFE INSUARANCE COMPANY | $23K | $6K | $29K | — |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $438 | $5K | — |
| FRANCES M ALEMAN3 Filed as: FRANCES M. ALEMAN | PO BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $77 | $3K | — |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | — |
| MICHELE E MARTIN3 Filed as: MICHELE E. MARTIN | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $800 | $2K | — |
| CONNIE R FOX3 Filed as: CONNIE R. FOX | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | — | $671 | — |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES, INC. | 4402 93RD DRIVE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $70 | $310 | — |
| THOMAS SNYDER | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | — |
| MPART BENEFITS INC Filed as: MPART BENEFITS, INC | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $83 | $239 | — |
| PAULA GAIL NEAL3 | 610 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $26 | $182 | — |
| SA GENERAL AGENCY INC3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | — |
| SHARON JANICE RAMIREZ Filed as: SHARON J RAMIREZ | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | — |
| MARIA DEL PADILLA3 | 2904 MINERAL SPRINGS SCHERTZ, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| JAMES MARK YOUNG ESTATE3 | C/O JOEL GREG YOUNG EXECUTOR ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MICHAEL SNYDER3 | 19518 KILBORN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MELODIE F FONTENOT3 Filed as: MELODIE F. FONTENOT | 6812 WAYNE AVENUE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| KYLA KLEMME3 | 2270 FALCON WAY NEW BRAUNFELS, TX 78130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| JESSIE LEE BLAGG3 | 309 LAGUNA SECA LANE 2702 ROUND ROCK, TX 78664 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
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 | 645 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 645 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSUARANCE COMPANY | 625 | $0 |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.