| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TEXAS | $63K | $6K | $69K | 6.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.37% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | AFLAC | $3K | $125 | $3K | 9.46% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $1K | $0 | $1K | 4.53% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $602 | $25 | $627 | 2.20% |
| KENNETH SUITER3 Filed as: KENNETH DEAN SUITER | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $464 | $25 | $489 | 1.71% |
| DAVID MARTIN GUSTAFSON3 | PO BOX2286 ADDISON, TX 75001 | AFLAC | $335 | $0 | $335 | 1.17% |
| TAMI J. MEADOWS3 Filed as: TAMI J MEADOWS | 14065 ZIPPO WAY HASLET, TX 76052 | AFLAC | $75 | $0 | $75 | 0.26% |
| CAROL S POOLE3 Filed as: CAROL POOLE | PO BOX 13 MANISTIQUE, MI 49854 | AFLAC | $26 | $0 | $26 | 0.09% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 162 | $989K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 162 | $989K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 203 | $123K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 203 | $123K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 203 | $151K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 203 | $123K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 203 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.