| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INSURANCE ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $4K | $29K | 14.03% |
| RONALD NEIL FISCHER3 Filed as: RONALD FISCHER | 4095 SUMMERHILL SQUARE TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $673 | $12K | 5.62% |
| CHARLES DON SCHAEF3 Filed as: CHARLES SCHAEF | 17106 WATERVIEW MEADOW RD. ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 1.96% |
| TAMMY S BOOTH3 | 329 HICKORY ST. MAUD, TX 75567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $92 | $4K | 1.90% |
| KYLE HARDING3 | 314 HARDING RD. NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $946 | $3K | 1.54% |
| PAULA KAY COOK3 | 10 COLONIAL DRIVE TEXARKANA, AR 71854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $992 | $0 | $992 | 0.48% |
| AMY SUSANNE STEED3 Filed as: AMY STEED | 1317 RIO GRANDE AVE TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $1 | $179 | 0.09% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $3 | $39 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSS POINT INSURANCE ADVISORS EIN 27-2894934 BROKER | Insurance agents and brokers Service code 22 | 1120 GARRISON AVE. FORT SMITH, AR 72901 | $60K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1221 MERIT DR. STE. 1800 DALLAS, TX 75251 | $54K |
| UNIVERSAL ASSURANCE EIN 87-4667762 CAPTIVE PROGRAM | Other fees Service code 99 | — | $45K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 | Claims processing Service code 12 | — | $37K |
| 247 CALL A DOC LLC EIN 82-4884646 | Other fees Service code 99 | — | $5K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $207K |
| Vision | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $207K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $207K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $207K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 191 | $447K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.