| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS LIC | PO BOX 1747 FORT SMITH, AR 72902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $1K | $19K | 16.10% |
| RONALD NEIL FISCHER3 | 4095 SUMMERHILL SQ TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 11.53% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 3.24% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $668 | $2K | 1.72% |
| AMY SUSANNE STEED3 | 1317 RIO GRANDE AVE TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 1.20% |
| TAMMY S BOOTH3 | 329 HICKORY ST MAUD, TX 75567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.97% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $7 | $229 | 0.19% |
| PAULA KAY COOK3 | 10 COLONIAL DR TEXARKANA, AR 71854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.06% |
| WESLEY D LAWRENCE3 | 5301 ATHENS DR TYLER, TX 75703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| CONSTANZA BEATRIZ FORBES3 | 373 FM 1903 GREENVILLE, TX 75402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DEYSI LUCERO BENITEZ3 | 3701 HYNSON SPRINGS RD MARSHALL, TX 75670 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LN LONGVIEW, TX 75605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $119K |
| Vision | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.