| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT LEVEL INSURANCE AGENCY, LLC3 | 5080 SPECTRUM DR STE 1200E ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 3.23% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DR RICHARDSON, TX 75081 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 2.17% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $271 | $2K | 4.76% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DRIVE RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY | 7228 LAKEHURST AVENUE DALLAS, TX 75230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $198 | $806 | 1.69% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $35 | $666 | 1.39% |
| BRG INSURANCE SOLUTIONS LLC3 | 6211 W. NORTHWEST HWY DALLAS, TX 75225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | — | $512 | 1.07% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DR. DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $152 | $448 | 0.94% |
| DAYSY ALATORRE3 | 429 S HAYES ENID, OK 73703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | — | $340 | 0.71% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $129 | $328 | 0.69% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LN APT 2020 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.30% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $2 | $117 | 0.24% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.19% |
| THOMAS LEE NICHOLS3 | 27627 E COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $51 | $77 | 0.16% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DR FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.11% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.10% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $18 | $44 | 0.09% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $8 | $30 | 0.06% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| FRANCISO X CABRERA3 | P.O. BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| KIMBERLY MICHELE HARRIS3 | 5425 SIERRA RIDGE DR FORT WORTH, TX 76123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 1730 FAIR OAKS LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DANIEL JOSEPH OCONNELL3 | 5080 SPECTRUM DR STE 120 ADDISON, TX 750014625 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $132 | $3K | 9.79% |
| PHILIP A GRAFMILLER3 Filed as: PHILIP ALAN GRAFMILLER, LUTCF | 438 FIELDWOOD DR RICHARDSON, TX 750815532 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.27% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $829K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $35K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $35K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 363 | $82K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $48K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 363 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.