| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | $0 | $638 | 9.99% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 335 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $551 | $0 | $551 | 14.99% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 3.24% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 3.01% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 1.39% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.85% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.72% |
| MORALES BREANNA3 Filed as: MORALES BELINDA | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.58% |
| STARNES ROBIN3 | 2922 GUINN FARMS ROAD TYLER, TX 75707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.27% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $333 | $0 | $333 | 15.01% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $328 | $0 | $328 | 14.99% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 3.50% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 3.39% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 2.22% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 1.11% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TN 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.83% |
| GARCIA WENDY SUSAN3 | 4408 HALE ST THE COLONY, TX 75056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.17% |
| STARNES ROBIN3 Filed as: STARNES ROBIN A | 2922 GUINN FARMS ROAD TYLER, TX 75707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.11% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.74% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.62% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.50% |
| ROGER GARZA3 | 2500 WILCREST #321 HOUSTON, TX 77042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.25% |
| STARNES ROBIN3 Filed as: STARNES ROBIN A | 2922 GUINN FARMS ROAD TYLER, TX 75707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| POOLE PAMELA K3 | 4701 ALTAMESA BLVD SUITE 2-M FORT WORTH, TN 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 8.33% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 3.70% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND JONATHAN M | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| K&S INSURANCE AGENCY EIN 76-0663719 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $37K |
| BOON-CHAPMAN, LTD EIN 74-2305238 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $35K |
| BEVCAP MANAGEMENT, LLC EIN 26-1870141 CONSULTING | Consulting (general) Service code 16 | — | $31K |
| BEVCAP HEALTH CAPTIVE - NC EIN 26-1870141 ADMINISTRATOR | Plan Administrator Service code 14 | — | $22K |
| AETNA-PPO EIN 06-6033492 ADMINISTRATOR | Plan Administrator; Insurance services Service code 14 | — | $18K |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $45K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $6K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $10K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.