| 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 | $5K | $2K | $7K | 10.42% |
| ASSUREDPARTNERS3 Filed as: MEADORS ADAMS & LEE INC | 100 RIVER MARKET AVE STE 300 LITTLE ROCK, AR 72201 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | $852 | $0 | $852 | 1.24% |
| GLADY R ROWAN3 | 202 W LOUSIANA STE 109 MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $348 | $2K | 13.99% |
| EDGHILL ENTERPRISES LLC3 Filed as: EDGHILL ENTERPRISES, LLC | 2701 NORTH 70TH ST APT D87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $65 | $1K | 11.01% |
| ROBERT MATTHEW SMITH3 | 300 HILLTOP AVE UNIT B RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | $325 | $1K | 9.58% |
| INSGROUP INC3 | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $20 | $656 | 5.79% |
| MEADOR ADAMS LEE INSURANCE3 Filed as: MEADOR ADAMS & LEE INC | 100 RIVER MARKET AVE STE 300 LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 2.03% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $82 | $170 | 1.50% |
| ROBERT E ELLIS3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $35 | $123 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUM & FORSTER INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | 305 MADISON AVENUE MORRISTOWN, NJ 07960 | $248K |
| K&S INSURANCE AGENCY INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | 2255 RIDGE RD SUITE 333 ROCKWALL, TX 75087 | $24K |
| BEVCAP MANAGEMENT, LLC EIN 26-1870141 ADMINISTRATOR | Claims processing; Contract Administrator; Plan Administrator Service code 12 | — | $20K |
| BOON-CHAPMAN, LTD EIN 74-2305238 ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $20K |
| BEVCAP HEALTH CAPTIVE - NC ADMINISTRATOR | Plan Administrator; Claims processing; Contract Administrator Service code 12 | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | $17K |
| AETNA - PPO EIN 23-2710210 ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $17K |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $68K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $68K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $68K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $68K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.