| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK EUGENE JOYCE III3 Filed as: FREDERICK EUGENE JOYCE | 5502 CHRISTUS DRIVE TEXARKANA, TX 75503 | BLUECROSS BLUESHIELD OF TEXAS | $42K | — | $42K | 2.37% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC. | 9575 KATY FREEWAY #150 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $34K | — | $34K | 1.96% |
| EVERGREEN BENEFITS GROUP3 Filed as: EVERGREEN BENEFITS GROUP, LLC | 5028 CHAMPIONS DR LUFKIN, TX 75901 | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 0.42% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DR TEXARKANA, TX 75503 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.21% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ACCOUNTING DEPT 6143 S WILLOW DR STE 200 GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$1 | -$1 | -0.00% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DR TEXARKANA, TX 75503 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $8K | $59 | $8K | 18.00% |
| KIMBERLY FAITH CEARLEY3 | 736 OLD BOSTON RD APT 22 TEXARKANA, TX 75501 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $3K | $212 | $4K | 7.50% |
| SANDRA MICHELLE HALL3 | 5508 PLAZA DR TEXARKANA, TX 75503 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.98% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LN LONGVIEW, TX 75605 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $1K | $534 | $2K | 3.86% |
| JESSICA QUINN3 | 231 BROOKSIDE DR LONGVIEW, TX 75683 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $1K | $497 | $2K | 3.32% |
| STEPHANIE DENISE WARNER3 | 5956 ORCHID RD ORE CITY, TX 75683 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $107 | $129 | $236 | 0.50% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.25% |
| CHERRY G MARTIN INS AGENCY INC3 | C/O RYAN LUNA WACO, TX 76712 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| CLIFFORD RAY BLACKWELL3 | PO BOX 2710 LINDALE, TX 75771 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $10 | $17 | $27 | 0.06% |
| DEYSI LUCERO BENITEZ3 | 3701 HYNSON SPRINGS RD MARSHALL, TX 75670 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| DIAMOND STATE INSURANCE AGENCY3 | 104 W. SHEPHERD ST NASHVILLE, AR 71852 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| JENNIFER GRIGGS3 | 101 JULIE LN BRINKLEY, AR 72021 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| AHNE BENEFIT SOLUTIONS LLC3 | PO BOX 3496 GREENWOOD, AR 72936 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOYCE FREDERICK3 | 5502 CHRISTUS DRIVE TEXARKANA, TX 75503 | KANSAS CITY LIFE INSURANCE COMPANY | $496 | — | $496 | 6.34% |
| ROBINS BRYAN3 | 2040 TERRY STREET LONGMONT, CO 80501 | KANSAS CITY LIFE INSURANCE COMPANY | $377 | — | $377 | 4.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RIVER VALLEY TRACTOR EIN 36-1236610 BROKER | Claims processing Service code 12 | — | $0 |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 271 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 271 | $1.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $82K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $136K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $82K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | 193 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.