| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REAVES AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $57K | — | $57K | 4.34% |
| THE REAVES AGENCY LLC3 | 1401 NORTH CENTRAL EXPRESSWAY SUITE 230 RICHARDSON, TX 75080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 8.71% |
| RISKPRO INSURANCE AGENCY LLC3 | 901 WATERFALL WAY SUITE 407 RICHARDSON, TX 75080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.58% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $30K | — | $30K | 19.92% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 2.56% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $888 | $12K | 19.31% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.68% |
| BRYAN J DODGE3 | PO BOX 7433 METAIRIE, LA 70010 | AFLAC | $443 | $4 | $447 | 4.96% |
| JAMAAL RICHARD3 | PO BOX 56821 NEW ORLEANS, LA 70156 | AFLAC | $77 | $10 | $87 | 0.96% |
| EMILY N WAYNE3 | 111 WEST WILSON STREET APARTMENT 1 MADISON, WI 53703 | AFLAC | $70 | $9 | $79 | 0.88% |
| EDWARD L MARTINA III3 | 100 GENNA LANE YOUNGSVILLE, LA 70592 | AFLAC | $65 | — | $65 | 0.72% |
| STEVEN B KEMPTON3 | 2570 ELDORADO PARKWAY SUITE 130 MCKINNEY, TX 75070 | AFLAC | $52 | — | $52 | 0.58% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $37 | — | $37 | 0.41% |
| DON ALAN NICHOLSON3 | C/O ADDISON POSTMASTER GENERAL DELIVERY ADDISON, TX 75001 | AFLAC | $34 | — | $34 | 0.38% |
| WILMA GALE JOHNSON3 | 4100 ELDORADO PARKWAY SUITE 100387 MCKINNEY, TX 75070 | AFLAC | $30 | — | $30 | 0.33% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $28 | — | $28 | 0.31% |
| CASEY J HIGGINS3 | 2484 LEOPOLD WAY SUN PRAIRIE, WI 53590 | AFLAC | $8 | $2 | $10 | 0.11% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE SUITE 100 LAFAYETTE, LA 70508 | AFLAC | $1 | — | $1 | 0.01% |
| JASON SCZEPANIAK3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL FRASIER3 | 374 BELLA WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM C HAGEN3 | 4001 FELLAND ROAD SUITE 113 MADISON, WI 53718 | AFLAC | $0 | — | $0 | 0.00% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $218 | $2K | 20.95% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $229 | $229 | 2.75% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 303 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $335K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $275K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $425K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $275K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.