| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $92K | $112K | 5.25% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $2K | $27K | 21.25% |
| NEREIDA AVILA3 | 1809 STANFORD AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 9.44% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSION, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $346 | $4K | 8.70% |
| KAYLA DANIELA MARTINEZ3 | 1809 STANFORD AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $2K | $2K | 5.18% |
| JOANNA JEANETTE CONDE3 | 323 NORTH LINARES STREET ALTON, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $2K | $2K | 4.93% |
| ATALIA N. RAMIREZ AND OTHER AGENTS3 | 413 REID DRIVE DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $198 | $753 | 1.71% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $7 | $431 | 0.98% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $88 | $395 | 0.89% |
| NEREIDA AVILA3 | 1809 STANFORD AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $667 | $1K | $2K | 17.83% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSION, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $990 | $127 | $1K | 9.71% |
| KAYLA DANIELA MARTINEZ3 | 1809 STANFORD AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $500 | $641 | 5.57% |
| MJ INSURANCE3 Filed as: AMBERLY GARNER AND VARIOUS AGENTS | 4821 SOUTH AUSTIN STREET AMARILLO, TX 79110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $101 | $277 | 2.41% |
| ATALIA NOHELY RAMIREZ3 | 413 REID DRIVE DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $54 | $123 | 1.07% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $28 | $114 | 0.99% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $1 | $99 | 0.86% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $125K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $125K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $125K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
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.