| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 730310 DALLAS, TX 753730310 | BLUECROSS BLUESHIELD OF TEXAS | $76K | $4K | $80K | 2.67% |
| KRISTOPHER A BERGMANN3 Filed as: KRISTOPHER ALAN BERGMANN | 3001 SOUTH HARDIN STREET STE 110, NO. 311 MCKINNEY, TX 75070 | BLUECROSS BLUESHIELD OF TEXAS | $70K | $2K | $72K | 2.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $3K | $30K | 18.50% |
| STUART DUNKLE3 | 7316 GRAYSON DR. PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $280 | $2K | 18.00% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DR. FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $290 | $520 | 4.05% |
| KRISTOPHER A BERGMANN3 Filed as: KRISTOPHER ALAN BERGMANN | 3001 S HARDIN MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 2.93% |
| MICHAEL W JOINER3 Filed as: MICHAEL DON PRICE | 4719 47TH STREET LUBBOCK, TX 79414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $35 | $253 | 1.97% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 512 SHAYE CT SEAGOVILLE, TX 75159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $10 | $201 | 1.57% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $15 | $122 | 0.95% |
| TRACI THOMAS3 | 425 S FRETZ AVE EDMOND, OK 73003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $31 | $94 | 0.73% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DR. LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $18 | $93 | 0.72% |
| VIRGINIA LEDER-CLARK3 Filed as: VIRGINIA LEDER CLARK | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $27 | $85 | 0.66% |
| MARY JO CHAPPELL3 | 3203 NORTH TEXAS AVE BRYAN, TX 77803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $12 | $78 | 0.61% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DR. MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.55% |
| SHANNA JO ALDRIDGE3 | 5096 OAKHURST LN FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $7 | $63 | 0.49% |
| MELODIE F FONTENOT3 | 5224 75TH STREET LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $12 | $43 | 0.33% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $11 | $41 | 0.32% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $12 | $25 | 0.19% |
| STEVEN WILSON3 | 425 S. FRETZ AVE EDMUND, OK 73003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $13 | $25 | 0.19% |
| BRAD BIEL3 | 2 GOLD ST NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $19 | $25 | 0.19% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DR. PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $5 | $21 | 0.16% |
| FRANCISCO X CABRERA3 | 8616 PALMER CT MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.15% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DR. LAVON, TX 75166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.12% |
| TALETA F TOWNSEND3 | PO BOX 20388 AMARILLO, TX 79114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.12% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.12% |
| BECKY CUCULLU-DAME3 Filed as: BECKY C DAME | 8750 W SIMPSON RD EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.10% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.05% |
| TERRI L KEESE3 Filed as: TERRI L. KEESE | 13890 STATE HWY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| MARY BETH HARRIS3 | 2633 MILLINGTON DRIVE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| GLORIA B WHITE3 Filed as: GLORIA B. WHITE | 3605 STECK AVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| ROBERT RUSHING3 | 223 W. ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| CHALSEE CANTRELL3 | 1007 THISTLE DR. MESQUITE, TX 75149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CAROL A BAKER3 Filed as: CAROL A. BAKER | 2318 PROMONTOROY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SANDRA DRIVER3 | 1703 TAMARACK DR. WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | DBA MCQUEARY HENRY BOWLES TROY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARCEL JAMES MUELLER3 | 6664 RICHMOND DR. FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 563 | $3.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $161K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $161K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $174K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $161K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.