| 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 | $11K | $445 | $12K | 10.39% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $254 | $5K | 15.77% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $204 | $4K | 15.79% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $172 | $4K | 15.74% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $125 | $2K | 10.72% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 335 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $72 | $2K | 15.67% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | $44 | $980 | 15.71% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $846 | $43 | $889 | 15.75% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | $0 | $143 | 3.07% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | $0 | $143 | 3.07% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | $0 | $73 | 1.57% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.88% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.73% |
| BBR & ASSOCIATES GROUP LLC3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.66% |
| STARNES ROBIN3 | 2922 GUINN FARMS ROAD TYLER, TX 75707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.19% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | $0 | $137 | 3.49% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 3.34% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 2.37% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 1.10% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TN 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.77% |
| GARCIA WENDY SUSAN3 | 4408 HALE ST THE COLONY, TX 75056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.18% |
| OSBURN ALFRED BEVLIE JR3 | PO BOX 1287 SHINER, TX 77984 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.05% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.70% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.58% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.52% |
| ROGER GARZA3 | 2500 WILCREST #321 HOUSTON, TX 77042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.12% |
| POOLE PAMELA K3 | 4701 ALTAMESA BLVD SUITE 2-M FORT WORTH, TN 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.06% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 8.33% |
| BROOKS TIMOTHY D3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 3.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| K&S INSURANCE AGENCY EIN 76-0663719 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $92K |
| BOON-CHAPMAN, LTD EIN 74-2305238 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $90K |
| BEVCAP MANAGEMENT, LLC EIN 26-1870141 CONSULTING | Consulting (general) Service code 16 | — | $78K |
| AETNA-PPO EIN 06-6033492 ADMINISTRATOR | Insurance services; Plan Administrator Service code 14 | — | $48K |
| BEVCAP HEALTH CAPTIVE - NC EIN 26-1870141 ADMINISTRATOR | Plan Administrator Service code 14 | — | $22K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $115K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $17K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $26K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.