| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | UNKOWN PLANO, TX 75024 | BLUECROSS BLUESHIELD OF TEXAS | $121K | $0 | $121K | 3.32% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | BLUECROSS BLUESHIELD OF TEXAS | $22K | $0 | $22K | 0.62% |
| THE REAVES AGENCY LLC3 Filed as: THE REAVES AGENCY, LLC | UNKOWN PLANO, TX 75024 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $10K | $10K | 0.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $41K | $29K | $70K | 14.50% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.23% |
| BENEFIT GUARANTY LLC3 Filed as: BENEFIT GUARANTY, LLC | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $46K | $0 | $46K | 20.81% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.89% |
| A MORROW VENTURES LLC3 Filed as: A. MORROW VENTURE, LLC | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $4K | $421 | $4K | 12.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 85081 | AFLAC | $2K | $0 | $2K | 4.60% |
| KENNETH DEAN SEUTER3 | 6804 ALCOVE LANE PLANO, TX 85024 | AFLAC | $859 | $63 | $922 | 2.75% |
| NANCY E ODOM3 Filed as: NANCY E. ODOM | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $785 | $85 | $870 | 2.59% |
| BRYAN J DODGE3 Filed as: BRYAN J. DODGE | PO BOX 7433 METAIRIE, LA 70010 | AFLAC | $84 | $0 | $84 | 0.25% |
| MJ INSURANCE3 Filed as: DAVID GUSTAFSON AND VARIOUS AGENTS | PO BOX 2286 ADDISON, TX 75001 | AFLAC | $64 | $0 | $64 | 0.19% |
| CYNTHIA MOORE3 Filed as: CYNTHIA B. MOORE | 11600 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $16 | $0 | $16 | 0.05% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 663 | $3.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 663 | $3.9M |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 594 | $483K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 594 | $703K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 594 | $483K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 594 | $483K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 663 | $3.6M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 594 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.