| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $19K | — | $19K | 3.40% |
| THE REAVES AGENCY LLC3 Filed as: THE REAVES AGENCY, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $6K | $6K | 1.13% |
| DAVID MORRIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 11.33% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.74% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DRIVE DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $811 | $3K | 5.98% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $876 | $1K | $2K | 4.33% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $340 | $1K | 3.02% |
| SHANNON PIERCE3 | 1051 TRAPPERS COVE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $83 | $424 | 0.94% |
| DAVID LOUIS GLOVER3 | 6456 WELLS FARMS COVE BARTLETT, TN 38135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | — | $297 | 0.66% |
| FREDERICK AARON CHAMBERS3 | 1109 OVOCA ROAD TULLAHOMA, TN 37388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $21 | $66 | 0.15% |
| SHAWN MARIE KING3 | 705 FISHERVILLE ROAD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $14 | $40 | 0.09% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.08% |
| RUBEN D PEREZ3 | 6352 ALCORN AVENUE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $312 | — | $312 | 4.19% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PARKWAY SUITE 120 RICHARDSON, TX 75081 | SUN LIFE ASSURANCE COMPANY OF CANADA | $204 | — | $204 | 2.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | ACE AMERICAN INSURANCE COMPANY | $357 | — | $357 | 9.99% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 106 | $569K |
| Dental(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 46 | $27K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 33 | $4K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $45K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $45K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $45K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.