| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $100K | — | $100K | 4.39% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY LLC | 5080 SPECTRUM DR STE 1200 E ADDISON, TX 75001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.61% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LN CORINTH, TX 76210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.95% |
| AMANDA LEAH RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 750715978 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| TROY W HUNT3 Filed as: TROY WAYNE HUNT | 9908 BITTERROOT DR LITTLE ELM, TX 750680639 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.94% |
| RAND GAYLE SIMKINS3 | 6508 PINE HILLS LN DENTON, TX 762100021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| AMY CLAIRE HAWKINS3 | 559 SYRACUSE ST HASLET, TX 760521906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| ALEJANDRA ROMAN3 | 4413 RINGGOLD LN PLANO, TX 750933764 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| ALONDRA GONZALEZ3 | 501 PAWNEE ST AUBREY, TX 76227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.19% |
| ADRIAN PAUL CARRILLO3 | 1808 S CREST CARROLLTON, TX 75006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.36% |
| MARK S STEWART3 | 8700 STONEBROOK PKWY UNIT 697 FRISCO, TX 750345732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY LLC | 5080 SPECTRUM DR #1200E ADDISON, TX 75001 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GARY FANCHER INSURANCE PLLC3 | 3518 QUAIL CREST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 1.79% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DR RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 1.22% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY | 7228 LAKEHURST AVENUE DALLAS, TX 75230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 1.15% |
| BRG INSURANCE SOLUTIONS LLC3 | 6211 W. NORTHWEST HWY DALLAS, TX 75225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 1.07% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $22 | $197 | 0.92% |
| MARK ANTHONY MONTOYA3 | 5419 25TH ST LUBBOCK, TX 79407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.65% |
| VIRGINIA LEDER-CLARK3 | 2800 SPRING OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.42% |
| PETER DEL INVESTMENTS INC3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.27% |
| BARBARA ANN BASTON3 | 5401 MANSEL LN FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.27% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.17% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.16% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.14% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.14% |
| FREIDA LAUREN FANCHER3 | 3518 QUAIL CREST ST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.12% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRL FORT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LN MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| DW YOUNG AGENCY INC3 | 347 CHURCH RD STOCKBRIDGE, GA 30281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| RYAN G YOUNG3 | 801 N NURSERY RD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| FRANCISCO X CABRERA3 | 8616 PALMER CT MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ERNESTO ELOY GARCIA3 | 1244 WILSON DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 567 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 405 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 405 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 538 | $66K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 538 | $175K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 117 | $109K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 538 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.