| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $82K | $182 | $82K | 3.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $17K | $0 | $17K | 0.75% |
| DEBORAH L. OLSON3 | 6909 PORTOBELLO DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $8K | $18K | 13.61% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 13.26% |
| KALEB OGOLINI3 | 2709 SOUTH HILLBRIER CIRCLE PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $96 | $8K | 5.85% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 5.43% |
| SALLY ELIZABETH PARKER3 Filed as: SALLY E. PARKER AND OTHER AGENTS | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $203 | $2K | 1.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $979 | $12 | $991 | 0.77% |
| CAROL A BAKER3 Filed as: CAROL A. BAKER | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $602 | $4 | $606 | 0.47% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 16.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.70% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 510 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 510 | $2.3M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 324 | $32K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 324 | $224K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 324 | $95K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 324 | $95K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 510 | $2.3M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 324 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.