| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | BLUECROSS BLUESHIELD OF TEXAS | $61K | — | $61K | 2.01% |
| DIGITAL INSURANCE LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $44K | — | $44K | 1.46% |
| DIGITAL INSURANCE LLC3 | 1401 NORTH CENTRAL EXPRESSWAY #230 RICHARDSON, TX 75080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 8.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 5.25% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $45K | — | $45K | 19.91% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 2.63% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $5K | $350 | $5K | 17.14% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $3K | — | $3K | 10.60% |
| KENNETH SUITER3 | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $2K | $66 | $2K | 5.51% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DRIVE SUITE 120 PLANO, TX 75093 | AFLAC | $1K | $66 | $1K | 4.37% |
| ASHLEY MORROW3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $187 | — | $187 | 0.59% |
| BRYAN J DODGE3 Filed as: BRYAN DODGE | PO BOX 7433 METAIRIE, LA 70010 | AFLAC | $107 | — | $107 | 0.34% |
| CYNTHIA MOORE3 | 11600 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $96 | — | $96 | 0.30% |
| RICHARD WILDE3 | PO BOX 22513 KNOXVILLE, TN 37933 | AFLAC | $51 | — | $51 | 0.16% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $25 | — | $25 | 0.08% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIRCLE RICMOND, TX 77406 | AFLAC | $16 | $4 | $20 | 0.06% |
| JAMES E VOGELAAR3 Filed as: JAMES VOGELAAR | 150 GRUNER ROAD METAIRIE, LA 70001 | AFLAC | $16 | — | $16 | 0.05% |
| STEVEN B KEMPTON3 Filed as: STEVEN KEMPTON | 4912 DERBYSHIRE DRIVE MCKINNEY, TX 75070 | AFLAC | $11 | — | $11 | 0.03% |
| EDWARD L MARTINA III3 Filed as: EDWARD MARTINA III | 100 GENNA LANE YOUNGSVILLE, LA 70592 | AFLAC | $9 | — | $9 | 0.03% |
| ROCKY B CUNNINGHAM JR3 Filed as: ROCKY CUNNINGHAM JR | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $8 | — | $8 | 0.03% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS JR | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $6 | — | $6 | 0.02% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| WILMA GALE JOHNSON3 Filed as: WILMA JOHNSON | 4100 ELDORADO PARKWAY SUITE 100387 MCKINNEY, TX 75070 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | AFLAC | $1 | — | $1 | 0.00% |
| AMY BARYLAK3 | 9421 SAINT ANDREWS COURT DENHAM SPRINGS, LA 70726 | AFLAC | $1 | — | $1 | 0.00% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $1 | — | $1 | 0.00% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 273 BELLWOOD DRIVE GARLAND, TX 75040 | AFLAC | $1 | — | $1 | 0.00% |
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 | 1,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 568 | $3.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $993K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $788K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $766K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $993K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $766K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.