| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REAVES AGENCY LLC3 Filed as: THE REAVES AGENCY | — | BLUECROSS BLUESHIELD OF TEXAS | $21K | $549 | $22K | 4.71% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYNN MORRIS | — | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.40% |
| DAVID J MCCLELLAN3 Filed as: DAVID MORRIS INSURANCE RESOURCES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.78% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $311 | $947 | 3.31% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | $104 | $567 | 1.98% |
| SOFIA ASHLEY SIMCOX3 | 2250 ROCKWALL PARKWAY CARROLLTON, TX 75006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $4 | $84 | 0.29% |
| TIM CHRISTOPHER ELLIS3 | PO BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $15 | $53 | 0.19% |
| JOHANA ANDREA TREJOS3 | 730 LITTY COURT MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.16% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.06% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE HUGH DICKERSON | 34400 GLENWOOD DRIVE YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| FREDERICK AARON CHAMBERS3 | 1109 OVOCA ROAD TULLAHOMA, TN 37388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| GREG GRIFFITH3 | 393 TENNESSEE MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DAVID L MORRIS3 | 2820 CARRIAGE LANE CARROLLTON, TX 75006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.18% |
| THE REAVES AGENCY LLC3 | — | ACE USA GROUP | $2K | — | $2K | 9.88% |
| THE REAVES AGENCY LLC3 | 1401 NORTH CENTRAL EXPRESSWAY SUITE 230 RICHARDSON, TX 75080 | UNITED DENTAL CARE OF TEXAS, INC | $439 | — | $439 | 9.35% |
| DAVID L MORRIS3 | 13760 NOEL ROAD #330 LB 30 DALLAS, TX 75240 | UNITED DENTAL CARE OF TEXAS, INC | $31 | — | $31 | 0.66% |
| THE REAVES AGENCY LLC3 | — | ACE USA GROUP | $445 | — | $445 | 10.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 105 | $464K |
| Dental(3 contracts, 3 carriers) | ACE USA GROUP | 30 | $28K |
| Vision | ACE USA GROUP | 36 | $4K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $29K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $49K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $49K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.