| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $49K | — | $49K | 5.00% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $75 | $35K | 30.36% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 9.61% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA STREET SUITE 109 MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $8K | 7.27% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 1.64% |
| EDGEHILL ENTERPRISES LLC3 | 2701 NORTH 70TH STREET APARTMENT D87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 0.98% |
| CYNTHIA M ANGEL3 | 1532 TANGLEWOOD DRIVE ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| LYNNE ANN DRAGON3 | 2300 KATHRYN LANE APARTMENT 3013 PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $884 | — | $884 | 0.76% |
| JOHN MILES ROWAN3 | 1610 HILL STREET MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $578 | — | $578 | 0.50% |
| JULIAN OLALDE3 Filed as: JULIAN GABRIEL OLALDE | 342 SAGEMEADOW ROAD WYLLE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 0.25% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $65 | $159 | 0.14% |
| ROBERT MATTHEW SMITH3 | 300 HILLTOP AVENUE UNIT B RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $3 | $99 | 0.09% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $22 | $44 | 0.04% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $9 | $31 | 0.03% |
| MARLA VERONICA JARQUE3 | 4744 N PAULINS STREET APARTMENT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| DIERDE B HOAHN3 | 30885 FRESH POND DRIVE OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.87% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 162 | $980K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 162 | $980K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 116 | $52K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 116 | $52K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $116K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 116 | $52K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.