| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 3.98% |
| THE REAVES AGENCY LLC3 | 1401 NORTH CENTRAL EXPRESSWAY SUITE 230 RICHARDSON, TX 75080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82K | $9K | $91K | 15.57% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $34K | — | $34K | 19.92% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 2.88% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 19.90% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.99% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $1K | — | $1K | 13.73% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $932 | — | $932 | 9.11% |
| KENNETH SUITER3 | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $485 | — | $485 | 4.74% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 9330 LYNDON B JOHNSON PARKWAY SUITE 1125 DALLAS, TX 75243 | AFLAC | $321 | — | $321 | 3.14% |
| BRYAN J DODGE3 | PO BOX 7433 METAIRIE, LA 70010 | AFLAC | $164 | — | $164 | 1.60% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $41 | — | $41 | 0.40% |
| CYNTHIA MOORE3 | 11600 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $26 | — | $26 | 0.25% |
| STEVEN B KEMPTON3 Filed as: STEVEN KEMPTON | 2570 ELDORADO PARKWAY SUITE 130 MCKINNEY, TX 75070 | AFLAC | $20 | — | $20 | 0.20% |
| EDWARD L MARTINA III3 | 100 GENNA LANE YOUNGSVILLE, LA 70592 | AFLAC | $19 | — | $19 | 0.19% |
| ASHLEY MORROW3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $17 | — | $17 | 0.17% |
| WILMA GALE JOHNSON3 Filed as: WILMA JOHNSON | 4100 ELDORADO PARKWAY SUITE 100387 MCKINNEY, TX 75070 | AFLAC | $16 | — | $16 | 0.16% |
| ROCKY B CUNNINGHAM JR3 Filed as: ROCKY CUNNINGHAM JR | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $15 | — | $15 | 0.15% |
| RICHARD WILDE3 | PO BOX 22513 KNOXVILLE, TN 37933 | AFLAC | $14 | — | $14 | 0.14% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS JR | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $10 | — | $10 | 0.10% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.07% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 5924 BALFOUR COURT SUITE 100 CARLSBAD, CA 92008 | AFLAC | $2 | — | $2 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 273 BELLWOOD DRIVE GARLAND, TX 75040 | AFLAC | $1 | — | $1 | 0.01% |
| AMY BARYLAK3 | 15094 COLDWATER DRIVE WALKER, LA 70785 | AFLAC | $1 | — | $1 | 0.01% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $1 | — | $1 | 0.01% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.01% |
| ERROL WILKEN3 | 5204 CRAIG AVENUE KENNER, LA 70065 | AFLAC | $1 | — | $1 | 0.01% |
| ERIN K GIUSTI3 Filed as: ERIN GIUSTI | 4828 FOLSE DRIVE METAIRIE, LA 70006 | AFLAC | $1 | — | $1 | 0.01% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.96% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $290 | $290 | 2.99% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $1.9M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $656K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $608K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $584K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $755K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $584K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.