| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $40K | — | $40K | 4.69% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.81% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA STREET SUITE 109 MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $273 | $3K | 4.58% |
| JOHN MILES ROWAN3 | 1610 HILL STREET MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | — | $483 | 0.66% |
| EDGHILL ENTERPRISES LLC3 | 2701 NORTH 70TH STREET APARTMENT D87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $1 | $349 | 0.48% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $6 | $314 | 0.43% |
| ARGO EXPRESS LLC3 | 25920 MARIGOLD OAKS BORNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $24 | $92 | 0.13% |
| CYNTHIA M ANGEL3 | 1532 TANGLEWOOD DRIVE ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.12% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $3 | $80 | 0.11% |
| LYNNE ANN DRAGON3 | 2300 KATHRYN LANE APARTMENT 3013 PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.09% |
| ROBERT MATTHEW SMITH3 | 300 HILLTOP AVENUE UNIT B RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.07% |
| JULIAN OLALDE3 Filed as: JULIAN GABRIEL OLALDE | 342 SAGEMEADOW ROAD WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $16 | $21 | 0.03% |
| DEIDRE B HOEHN3 | 30885 FRESH POND DRIVE OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MARIA VERONICA JARQUE3 | 542 HOSMER STREET EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.98% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 141 | $852K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 141 | $852K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 92 | $46K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 92 | $46K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $73K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 92 | $46K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.