| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE STE 1230 DALLAS, TX 75251 | UNITED HEALTH CARE INSURANCE COMPANY | — | $70K | $70K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | $6K | $48K | 11.35% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $8K | $29K | 7.02% |
| LISA D GARCIA3 | 602 CENIZA ST. DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $523 | $10K | 2.30% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LN APT 2102 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $281 | $7K | 1.73% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 1.44% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $227 | $5K | 1.16% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 0.97% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N. COLEMAN STREET MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $198 | $4K | 0.95% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $908 | $3K | 0.78% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $825 | $3K | 0.76% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $777 | $3K | 0.72% |
| BUDDY GLEN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | — | $666 | 0.16% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $213 | $656 | 0.16% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $309 | $641 | 0.15% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $47 | $529 | 0.13% |
| REBECCA G DEJESUS3 | 2028 N 136TH LANE GOOD YEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 0.10% |
| SANDRA DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 0.10% |
| MARY BETH HARRIS3 | 12015 MIDLAKE DR DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 0.09% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $174 | $324 | 0.08% |
| GRACIELA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN ST EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $5 | $307 | 0.07% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $1 | $203 | 0.05% |
| STUART DUNKLE3 | 7316 GRAYSON DR. PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $12 | $90 | 0.02% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.02% |
| DEBORAH DAWN YOUNG3 | 502 S. KOENIGHEIM ST. STE. 2E SAN ANGELO, TX 76903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.02% |
| ALVARO RAMIREZ JR3 Filed as: ALVARO RAMIREZ JR. | PO BOX 421293 DEL RIO, TX 78842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.02% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $13 | $66 | 0.02% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.00% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.00% |
| RAYMOND ROBERTS SEIFERT, JR3 | 600 SOUTH MACARTHUR BLVD COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| C DEAVEN BENEFITS3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNION SECURITY INSURANCE COMPANY | $17K | $5K | $22K | 17.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY W. BLVD #2400 HOUSTON, TX 77042 | STANDARD SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNITED DENTAL CARE OF TEXAS, INC. | $1K | $337 | $1K | 13.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE DALLAS, TX 75251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $365 | $3K | 54.25% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $477 | $2K | 31.21% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $272 | $522 | 10.08% |
| LISA D GARCIA3 | 710 WEST CANTU RD DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $21 | $371 | 7.16% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $64 | $367 | 7.09% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LN APT 2102 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $13 | $321 | 6.20% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $2 | $226 | 4.36% |
| BUDDY GLEN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 3.80% |
| OMAR MENDOZA3 | 448 SHADY HOLW NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $40 | $138 | 2.67% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $38 | $137 | 2.65% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 512 SHAYE CT SEAGOVILLE, TX 75159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $7 | $130 | 2.51% |
| GRACIELA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN ST EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $5 | $119 | 2.30% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $29 | $108 | 2.09% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $19 | $59 | 1.14% |
| REBECCA G DEJESUS3 | 2028 N 136TH LANE GOOD YEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 1.08% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $26 | $54 | 1.04% |
| SANDRA DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.73% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $13 | $24 | 0.46% |
| MARY BETH HARRIS3 | 2633 MILLINGTON DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.41% |
| C DEAVEN BENEFITS3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $8 | $19 | 0.37% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 0.33% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.29% |
| STUART DUNKLE3 | 7316 GRAYSON DR. PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.12% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.06% |
| RAYMOND ROBERTS SEIFERT, JR3 | 600 SOUTH MACARTHUR BLVD COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 TPA | Plan Administrator Service code 14 | 200 W. ADAMS ST. SUITE 500 CHICAGO, IL 60606 | $45K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance agents and brokers Service code 22 | 2500 CITY W BLVD 2400 HOUSTON, TX 77042 | $9K |
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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 312 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 266 | $138K |
| Vision | UNION SECURITY INSURANCE COMPANY | 266 | $127K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 266 | $127K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE COMPANY | 153 | $73K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 441 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.