| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP LLC DBA K&S INSURANCE | 2255 RIDGE ROAD STE 3343 ROCKWALL, TX 75087 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.80% |
| WHITE HILL PLAZA INC3 | PO BOX 277 ROCKWALL, TX 75087 | PRINCIPAL LIFE INSURANCE COMPANY | $314 | $0 | $314 | 0.69% |
| ROBERT MATTHEW SMITH3 | 300 HILLTOP AVE UNIT B RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $908 | $1K | 129.32% |
| GLADY R ROWAN3 | 202 W LOUSIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $207 | $344 | 42.73% |
| EDGHILL ENTERPRISES LLC3 Filed as: EDGHILL ENTERPRISES, LLC | 2701 NORTH 70TH ST APT 87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $33 | $247 | 30.68% |
| INSGROUP INC3 | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 15.03% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $11 | $27 | 3.35% |
| ROBERT E ELLIS3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $8 | $24 | 2.98% |
| MARIA VERONICA JARQUE3 | 2325 1/2 N ROCKWELL ST CHICAGO, IL 60647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $7 | $16 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUM & FORSTER INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | 305 MADISON AVENUE MORRISTOWN, NJ 07960 | $50K |
| K&S INSURANCE AGENCY INSURANCE AGENCY | Insurance services; Insurance agents and brokers Service code 22 | 2255 RIDGE RD SUITE 333 ROCKWALL, TX 75087 | $6K |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $46K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $46K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $805 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.