| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TEXAS | $115K | $1K | $116K | 4.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 19.01% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $1K | $320 | $2K | 4.47% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $675 | $0 | $675 | 1.84% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $606 | $0 | $606 | 1.65% |
| ELIZABETH GAYLE LAWSON3 Filed as: ELIZABETH GYLE LAWSON | 7450 HOLLY HILL DR APT 111 DALLAS, TX 75231 | AFLAC | $367 | $0 | $367 | 1.00% |
| HIGHVIEW BENEFIT RESOURCES, LLC3 Filed as: HIGHVIEW BENEFIT RESOURCES LLC | 12968 FM 1255 CANTON, TX 75103 | AFLAC | $332 | $0 | $332 | 0.90% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $299 | $0 | $299 | 0.81% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $286 | $0 | $286 | 0.78% |
| JONATHAN D. REAVES3 Filed as: JONATHAN REAVES | 200 GALLERIA PKWAY SE STE. 1950 ATLANTA, GA 30339 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 254 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 254 | $2.4M |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 84 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $98K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.