| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REAVES AGENCY LLC3 Filed as: THE REAVES AGENCY | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | BLUECROSS BLUESHIELD OF TEXAS | $24K | — | $24K | 4.99% |
| DAVID MORRIS3 | INSURANCE RESOURCES DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $330 | $1K | 3.44% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $48 | $384 | 1.30% |
| DAVID LOUIS GLOVER3 | 6456 WELLS FARMS COVE BARTLETT, TN 38135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.81% |
| RUBEN D PEREZ3 | 6352 ALCORN AVENUE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $8 | $132 | 0.45% |
| FREDERICK AARON CHAMBERS3 | 1109 OVOCA ROAD TULLAHOMA, TN 37388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $29 | $65 | 0.22% |
| SOFIA ASHLEY SIMCOX3 | 1049 COVERDALE LANE DESOTO, TX 75115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| TIM CHRISTOPHER ELLIS3 | PO BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $79 | $1K | 5.60% |
| DAVID L MORRIS3 | 2820 CARRIAGE LANE CARROLLTON, TX 75006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.82% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TN 75081 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | UNITED DENTAL CARE OF TEXAS, INC | $484 | — | $484 | 9.99% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | ACE AMERICAN INSURANCE COMPANY | $407 | — | $407 | 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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 65 | $489K |
| Dental(3 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 26 | $28K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 28 | $4K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $30K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 139 | $51K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 139 | $51K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.