| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA | 2400 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | BLUECROSS BLUESHIELD OF TEXAS | $41K | $0 | $41K | 7.44% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $6K | $13K | 9.96% |
| INSURICA, INC.3 Filed as: INSURICA | 2400 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 5.87% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.48% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $872 | $3K | 2.56% |
| MJ INSURANCE3 Filed as: WENDY RANGEL AND VARIOUS AGENTS | 3083 HERSCHEL AVENUE, APARTMENT 221 DALLAS, TX 75219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $31 | $2K | 1.19% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $975 | $282 | $1K | 0.95% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $826 | $68 | $894 | 0.67% |
| INSURICA, INC.3 Filed as: INSURICA | 2400 NORTH GLENVILLE DRIVE SUITE B125 RICHARDSON, TX 75082 | DEARBORN LIFE INSURANCE COMPANY | $7K | $497 | $7K | 13.54% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 105 | $547K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 105 | $547K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 156 | $52K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 156 | $52K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $133K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 156 | $52K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 105 | $547K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 156 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.