| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 6835 N MAIN STREET VICTORIA, TX 77904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $3K | $22K | 37.39% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 8.59% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $837 | $4K | 6.64% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASONTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $701 | $4K | 6.53% |
| MARY JO CHAPPELL3 | 3203 NORTH TEXAS AVE BRYAN, TX 77803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $416 | $2K | 3.92% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $135 | $1K | 2.50% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $878 | $452 | $1K | 2.30% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 2.19% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | 2.10% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $355 | $1K | 1.99% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $826 | $319 | $1K | 1.98% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $817 | $298 | $1K | 1.93% |
| RICARDO GUADALUPE MARES3 | 100 HELEN MOORE RD LOT 221 SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $71 | $835 | 1.44% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $454 | $662 | 1.14% |
| ROBERT RUSHING3 | 223 W ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $81 | $158 | 0.27% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $78 | $110 | 0.19% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $5 | $82 | 0.14% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $37 | $69 | 0.12% |
| FROST INSURANCE AGENCY INC3 | 6835 N MAIN STREET VICTORIA, TX 77904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 37.68% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 8.78% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $847 | $4K | 6.73% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $669 | $4K | 6.23% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $164 | $2K | 3.05% |
| MARY JO CHAPPELL3 | 3203 NORTH TEXAS AVE BRYAN, TX 77803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $298 | $2K | 2.80% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $78 | $2K | 2.61% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $80 | $1K | 2.40% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $898 | $463 | $1K | 2.35% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $877 | $393 | $1K | 2.20% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TN 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $912 | $352 | $1K | 2.19% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $902 | $329 | $1K | 2.13% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $529 | $771 | 1.33% |
| RICARDO GUADALUPE MARES3 | 100 HELEN MOORE ROAD LOT 221 SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $38 | $448 | 0.78% |
| ROBERT RUSHING3 | 223 W ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $58 | $113 | 0.20% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $42 | $59 | 0.10% |
| GLORIA B WHITE3 | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $3 | $58 | 0.10% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $20 | $37 | 0.06% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 74 | $116K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 74 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.