| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DEATON AGENCY, LLC3 | 8304 OLD MCGREGOR RD. STE B WACO, TX 76712 | BLUECROSS BLUESHIELD OF TEXAS | $81K | — | $81K | 5.39% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET #234 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF TEXAS | $15K | — | $15K | 1.03% |
| SHANE R SMITH3 | 6313 MAMMOTH SPRINGS DR WACO, TX 76708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $9K | $18K | 22.37% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 13.23% |
| THE DEATON AGENCY, LLC3 | 8304 OLD MCGREGOR RD. STE B WACO, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 10.24% |
| BE INSURANCE PARTNERS LLC3 | 2900 SPEEGLEVILLE RD WOODWAY, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 6.87% |
| LACEY JANEANN WRENN3 | 1607 SHADY HILLSIDE PASS ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 5.44% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $876 | $4K | 5.13% |
| CHELSEA DAWNE VAN VLIET3 | 3265 ELIZABETH ANNE LN ROUND ROCK, TX 78664 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $667 | $3K | 4.08% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $357 | $3K | 3.79% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $430 | $3K | 3.69% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $168 | $506 | 0.63% |
| ROBERT DEATON3 | 8304 OLD MCGREGOR RD. STE B WACO, TX 76712 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.03% |
| SHANE R SMITH3 | 6313 MAMMOTH SPRINGS DR WACO, TX 76708 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| THE DEATON AGENCY, LLC3 | 8304 OLD MCGREGOR RD. STE B WACO, TX 76712 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 9.98% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET #234 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF TEXAS | — | $638 | $638 | 3.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | BLUECROSS BLUESHIELD OF TEXAS | — | $199 | $199 | 1.19% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $848 | — | $848 | 15.01% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $788 | — | $788 | 15.00% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $521 | — | $521 | 11.84% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $334 | — | $334 | 8.01% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $443 | — | $443 | 15.01% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 231 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 231 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 153 | $17K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 159 | $129K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $48K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 159 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.