| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAP INSURANCE GROUP LLC3 | PO BOX 2789 ADDISON, TX 75001 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $66K | $77K | 6.92% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY STE 500 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.22% |
| COLONIAL OF NORTH TEXAS INSURANCE3 Filed as: COLONIAL OF NORTH TEXAS INS GROUP | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 10.34% |
| AMERICAP INSURANCE GROUP LLC3 | 15770 N DALLAS PKWY DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.27% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $718 | $5K | 6.90% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $821 | $3K | 4.55% |
| DALLAS INSURANCE EXCHANGE II INC3 | ATTN JOHN P BIEVENOUR DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.34% |
| SHANNA JO ALDRIDGE3 | 5096 OAKHURST LN FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $86 | $1K | 1.74% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N COLEMAN ST MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $16 | $503 | 0.67% |
| STUART DUNKLE3 | 7316 GRAYSON DR PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $7 | $27 | 0.04% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $1.1M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $1.1M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $75K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.