| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 2400 NORTH GLENVILLE DRIVE SUITE 125 RICHARDSON, TX 75082 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $28K | $33K | 4.90% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 2400 NORTH GLENVILLE DRIVE SUITE 125 RICHARDSON, TX 75082 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.96% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $8K | $18K | 10.92% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 8834 NORTH CAPITAL OF TEXAS AUSTIN, TX 78759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 6.76% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 3.35% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $499 | $3K | 1.69% |
| VIRGINIA LEDER-CLARK3 | 2800 SPRING OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $596 | $3K | 1.53% |
| INSURICA, INC.3 Filed as: INSURICA INSURANCE SERVICES LLC | 5100 NORTH CLASSEN BOULEVARD OKLAHOMA CITY, OK 73118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 0.80% |
| WILLIAM LEROY VINCENT3 Filed as: WILLIAM L. VINCENT AND OTHER AGENTS | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 0.64% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 106 | $167K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $681K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.