| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $154K | $0 | $154K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 10.23% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DR PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 5.79% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 5.71% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 4.92% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $848 | $5K | 3.59% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.17% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $41 | $4K | 3.01% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 | 10459 SW 78TH ST MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 0.92% |
| SALLY ELIZABETH PARKER3 | 121 I ST SW ARDMORE, OK 73401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 0.17% |
| AMARILIS ALTAGRACIA CSIKORTOS3 | 480 CREEK TERRACE DRIVE SAGINAW, TX 76131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $26 | $163 | 0.12% |
| KENNETH NIX3 | 2050 GARRISON DR. ROCKWALL, TX 75032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 0.09% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.06% |
| STEPHANIE ANN VINCENT3 | 15 ATLANTA CT MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.06% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $24 | $47 | 0.03% |
| DAVID EVANS3 | 2711 YORK CT. SOUTHLAKE, TX 76092 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.02% |
| WALTER M SEVERN3 | 3437 GARETT LANE TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR. FRISCO, TX 75033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.01% |
| JULIAN OLALDE3 Filed as: JULIAN GABRIEL OLALDE | 342 SAGEMEADOW RD WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 16.54% |
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 | 432 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 375 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 375 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 338 | $118K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 338 | $118K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 338 | $118K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 338 | $118K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 338 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.