| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $81K | $98K | 4.03% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $29K | $35K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $0 | $24K | 15.63% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.42% |
| NEREIDA AVILA3 | 7414 STATE HIGHWAY 107 MISSION, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 16.15% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSIONS, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 13.57% |
| JOANNA JEANETTE CONDE3 | 3103 EAST JEFFERSON AVENUE ALTON, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 10.58% |
| KAYLA DANIELS MARTINEZ3 | 4900 WEST EXO 83, SUITE 132 MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $5K | 6.51% |
| CHRISTINE CHICO AND OTHER AGENTS3 | 3901 WATER LILY AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.30% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $783 | $2K | 2.73% |
| AMBERLY GARNER3 | 4821 SOUTH AUSTIN STREET AMARILLO, TX 79110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $968 | $389 | $1K | 1.96% |
| NEREIDA AVILA3 | 7414 STATE HIGHWAY 107 MISSION, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 16.14% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSIONS, TX 78573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $421 | $3K | 12.92% |
| CHRISTINE CHICO AND OTHER AGENTS3 | 3901 WATER LILY AVENUE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $818 | $835 | $2K | 8.08% |
| KAYLA DANIELS MARTINEZ3 | 4900 WEST EXO 83, SUITE 132 MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $775 | $1K | 5.14% |
| ATALIA NOHELY RAMIREZ3 | 413 REID DRIVE DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $515 | $795 | 3.89% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $190 | $469 | 2.29% |
| AMBERLY GARNER3 | 4821 SOUTH AUSTIN STREET AMARILLO, TX 79110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $121 | $418 | 2.04% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $151K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.