| 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 | — | $35K | $35K | 3.23% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DR RICHARDSON, TX 75081 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 2.17% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $568 | $2K | 3.34% |
| KC BENEFITS LLC3 | 2376 DUNWOODY CROSSING ATLANTA, GA 30338 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $75 | $2K | 3.05% |
| FREIDA LAUREN FANCHER3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $232 | $1K | 2.38% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DRIVE RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY | 7228 LAKEHURST AVENUE DALLAS, TX 75230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| DW YOUNG AGENCY INC3 | 347 CHURCH ROAD STOCKBRIDGE, GA 30281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 1.86% |
| WENDY E GUAJARDO-RANGEL3 | 3083 HERSCHEL AVE APT 221 DALLAS, TN 75219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $78 | $968 | 1.68% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $325 | $745 | 1.29% |
| BRG INSURANCE SOLUTIONS LLC3 | 6211 W. NORTHWEST HWY DALLAS, TX 75225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | — | $465 | 0.81% |
| LETICIA ANNETTE PARGAS3 | 3007 MELROSE DR. SEAGOVILLE, TX 75159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.54% |
| RYAN G YOUNG3 | 801 N NURSERY RD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $175 | $297 | 0.51% |
| AYB BENEFITS INC3 | 3620 ROSETREE CT LILBURN, GA 30047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $8 | $212 | 0.37% |
| MELISSA L GEORGE & ASSOCIATES LLC3 | 2905 E POINT STREET EAST POINT, GA 30344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.35% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DR FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.23% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.15% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.12% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.08% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY PLANO, TX 95024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.07% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.07% |
| DAYSY ALATORRE3 | 429 S HAYES ENID, OK 73703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DR. DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.03% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LN APT 2020 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| FRANCISO X CABRERA3 | 8616 PALMER COURT MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| EDNEY ENTERPRISES LLC3 | 22873 CR 3107 GLADE WATER, TX 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| THOMAS LEE NICHOLS3 | 27627 E COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 1730 FAIR OAKS LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DANIEL JOSEPH OCONNELL3 | 5080 SPECTRUM DR STE 1200E ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $453 | $4K | 11.04% |
| PHILIP A GRAFMILLER3 Filed as: PHILIP ALAN GRAFMILLER | 438 FIELDWOOD DR RICHARDSON, TX 750815532 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.54% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $37K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 371 | $95K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $58K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 371 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.