| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD OF TEXAS | $81K | $2K | $83K | 7.56% |
| VONDA OLDHAM CAPO3 Filed as: VONDA CAPO | 1617 ORCHARD LANE LINDALE, TX 75771 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | — | $6K | 0.53% |
| CENTERSTONE INSURANCE AND FINANCIAL0 | 4851 LBJ FREEWAY DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD OF TEXAS | $1K | — | $1K | 0.13% |
| THRELKELD & COMPANY INSURANCE0 Filed as: THRELKELD & COMPANY INS AGENCY | 2367 OAK ALY TYLER, TX 75703 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1K | $1K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.90% |
| VONDA OLDHAM CAPO3 Filed as: VONDA O CAPO | 1617 ORCHARD LN HADEAWAY, TX 75771 | DEARBORN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DEACON CHARLES KAVANAUGH0 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INS CO | $2K | $628 | $2K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INS CO | $2K | $343 | $2K | 18.26% |
| MPART BENEFITS INC0 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INS CO | $568 | $514 | $1K | 9.65% |
| MICHELE E MARTIN0 | 5717 HEADQUARTERS DR PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INS CO | $567 | $433 | $1K | 8.92% |
| DAVID ANDREW BRANNAM0 | 5407 COUNTY RD 1042 CELESTE, TX 75423 | COLONIAL LIFE & ACCIDENT INS CO | $203 | — | $203 | 1.81% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $1.1M |
| Dental | DEARBORN LIFE INSURANCE COMPANY | 347 | $42K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 347 | $42K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 347 | $42K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INS CO | 15 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $1.1M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 347 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.