| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIGHTLINE DEALER ADVISORS, LLC3 | 153001 DALLAS PARKWAY ADDISON, TX 75001 | ADREM ADMINISTRATORS LLC | $131K | — | $131K | 6.73% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 8.26% |
| THE PARTNERS GROUP3 Filed as: PARTNERS LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS LLC | 15301 DALLAS PARKWAY ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 12.03% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $6K | $17K | 10.96% |
| DARIN POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 7.49% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 S WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | 4.41% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $634 | $4K | 2.35% |
| ERICK TRUYENQUE3 Filed as: ERICK P. TRUYENQUE | 2712 GETTYSBURG DRIVE AUSTIN, TX 78745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $119 | $3K | 1.76% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $403 | $3K | 1.68% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $291 | $2K | 1.33% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP, LLC | 5210 COTTONWOOD CREEK LANE LEAGUE CIY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $88 | $2K | 1.15% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $779 | $1K | 0.77% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $169 | $695 | 0.46% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | $11 | $552 | 0.37% |
| K G SMITH LLC3 Filed as: KG SMITH LLC | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $98 | $386 | 0.26% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $65 | $307 | 0.20% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $7 | $297 | 0.20% |
| HENRY LEE MCCARTY3 | 1414 RICHEY STREET SUITE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $5 | $247 | 0.16% |
| CAMILLE HOLLAN SIDEL POTTS3 | 100 DETERING STREET APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $7 | $215 | 0.14% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $69 | $207 | 0.14% |
| RICHARAD SCHWAGER3 | 2210 VILLAGE DALE AVENUE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $14 | $186 | 0.12% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.10% |
| ROBERT RUSHING3 | 223 W ANDERSON LN SUITE A106 AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $2 | $47 | 0.03% |
| PATRICK ALLEN BAKER3 | 4606 WINCHESTER DRIVE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $3 | $21 | 0.01% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 14131 MIDWAY ROAD SUITE 520 ADDISON, TX 75001 | BLUECROSS BLUESHIELD OF TEXAS | $19K | — | $19K | 13.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVC | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 1.81% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 14131 MIDWAY ROAD SUITE 520 ADDISON, TX 75001 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 6.30% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ADREM ADMINISTRATORS LLC | 395 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 395 | $134K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 251 | $38K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $162K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $162K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $162K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.