| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $125K | $149K | 5.44% |
| NEREIDA AVILA3 | 7414 STATE HIGHWAY 107 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $19K | $25K | 46.56% |
| JOANNA JEANETTE CONDE3 | 3103 E JEFFERSON AVE ALTON, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $11K | $14K | 25.90% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 22.60% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 9.69% |
| AMBERLY GARNER3 | 4821 S AUSTIN ST. AMARILLO, TX 79110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.06% |
| MARISSA ELIZABETH GRANADOS3 | 1304 W MILE 17 12 RD EDINBURG, TX 78541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $920 | $2K | 4.26% |
| KAYLA DANIELS MARTINEZ3 Filed as: KAYLA DANIELA MARTINEZ | 4900 W EXO 83 SUITE 132 MCALLEN, TX 78501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $928 | $1K | 1.96% |
| LEOVIGILDO MARTINEZ3 | 3401 N MAYBERRY RD, APT 1113 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $307 | $476 | 0.89% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR. LYTLE, TX 78025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $92 | $187 | 0.35% |
| BRENDA NAYELI BLANCO3 | 2620 E ALBERTA RD EDINBURG, TX 78542 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 0.28% |
| CONNIE MORALES3 | 1410 RIO GUADALUPE CIRCLE SAN JUAN, TX 78589 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $104 | $126 | 0.23% |
| ATALIA NOHELY RAMIREZ3 | 413 REID DR. DONNA, TX 78537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $76 | $87 | 0.16% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $29 | $44 | 0.08% |
| LUIS PAZ3 | 1604 LOWRY RD LAREDO, TX 78045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $22 | $28 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 20.00% |
| NEREIDA AVILA3 | 7414 STATE HIGHWAY 107 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 44.57% |
| SALVADOR MARTINEZ3 | PO BOX 5519 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $910 | $4K | 22.41% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $939 | $2K | 8.57% |
| MARISSA ELIZABETH GRANADOS3 | 1304 W MILE 17 12 RD EDINBURG, TX 78541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $829 | $559 | $1K | 7.76% |
| AMBERLY GARNER3 | 4821 S AUSTIN ST AMARILLO, TX 79110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $751 | $547 | $1K | 7.26% |
| BRENDA NAYELI BLANCO3 | 2620 E ALBERTA RD EDINBURG, TX 78542 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $752 | $0 | $752 | 4.20% |
| JOANNA JEANETTE CONDE3 | 3103 E JEFFERSON AVE ALTON, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $438 | $547 | 3.06% |
| KAYLA DANIELS MARTINEZ3 Filed as: KAYLA DANIELA MARTINEZ | 4900 W EXO 83 SUITE 132 MCALLEN, TX 78501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $275 | $312 | 1.74% |
| LEOVIGILDO MARTINEZ3 | 3401 N MAYBERRY RD, APT 1113 MISSION, TX 78573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $57 | $88 | 0.49% |
| CONNIE MORALES3 | 1410 RIO GUADALUPE CIRCLE SAN JUAN, TX 78589 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $36 | $44 | 0.25% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR. LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $17 | $34 | 0.19% |
| ATALIA NOHELY RAMIREZ3 | 413 REID DR. DONNA, TX 78537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $29 | $33 | 0.18% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $9 | $14 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 20.00% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 386 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 386 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 386 | $2.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $24K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 461 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.