| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVC | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $27K | — | $27K | 1.41% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 14131 MIDWAY ROAD SUITE 520 ADDISON, TX 75001 | BLUECROSS BLUESHIELD OF TEXAS | $8K | — | $8K | 0.41% |
| BRIGHTLINE DEALER ADVISORS, LLC4 Filed as: BRIGHTLINE DEALER ADVISORS | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 9.16% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| DARIN POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $9K | $15K | 21.48% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS LLC | 15301 DALLAS PARKWAY ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 20.23% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $8K | $14K | 19.57% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 8.34% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 S WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.46% |
| K G SMITH LLC3 Filed as: KG SMITH LLC | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $924 | $339 | $1K | 1.78% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $197 | $1K | 1.55% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP, LLC | 5210 COTTONWOOD CREEK LANE LEAGUE CIY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $808 | $52 | $860 | 1.21% |
| FEDERICO BERLANGA3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $420 | $758 | 1.07% |
| HENRY LEE MCCARTY3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $109 | $551 | 0.78% |
| CAMILLE HOLLAN SIDEL POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | — | $518 | 0.73% |
| RICHARAD SCHWAGER3 | 2210 VILLAGE DALE AVENUE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $74 | $456 | 0.64% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 0.58% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $53 | $80 | 0.11% |
| PATRICK ALLEN BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $14 | $78 | 0.11% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $13 | $40 | 0.06% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC. | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN SUITE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 14131 MIDWAY ROAD SUITE 520 ADDISON, TX 75001 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | — | $910 | $910 | 5.01% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 403 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 403 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 221 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 307 | $123K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 307 | $123K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 307 | $123K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 208 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.