| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $53K | — | $53K | 4.87% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.67% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 43.63% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 34.14% |
| EDGEHILL ENTERPRISES LLC3 | 1420 WEST Q STREET LINCOLN, NE 68528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 18.93% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIRCLE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $42 | $3K | 9.55% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $952 | $2K | 5.14% |
| CYNTHIA M ANGEL3 | 1320 DOVE BROOK DRIVE ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | $25 | $648 | 1.95% |
| DAVID ROY CLEVELAND3 | 4925 MARCUS AVE ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $136 | $543 | 1.63% |
| WARREN EDGHILL3 Filed as: WARREN EDGEHILL | 1420 WEST Q STREET LINCOLN, NE 68528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | $133 | $522 | 1.57% |
| JOHN AKINS3 | 811 EDGEWOOD DRIVE RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | — | $509 | 1.53% |
| CHRISTOPHER ALAN DARWIN3 | 258 CONVENTION DRIVE MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $178 | $454 | 1.36% |
| WILLIAM BRYAN DARWIN3 | 13714 HAMBLETON CIRCLE HOUSTON, TX 77069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 1.24% |
| JASON CHRISTOPHER DARWIN3 | 258 CONVENTION DRIVE MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $63 | $336 | 1.01% |
| LYNNE ANN DRAGON3 | 1431 ALPINE DRIVE ALLEN, TX 75013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $15 | $251 | 0.75% |
| WILLIAM CASEY MURCH3 | 208 LAMONT ROAD ANNA, TX 75409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $1 | $107 | 0.32% |
| THOMAS L JEFFORDS3 Filed as: THOMAS L JEFORDS | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $7 | $104 | 0.31% |
| PHILLIP LEONARD TUCKER3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.07% |
| LARRY CLARK3 | 2109 EDWARD ROAD VAN ALSLYNE, TX 75495 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE COURT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| SABRINA KAYE LYNCH3 | 1508 KAREN AVE AUSTIN, TX 78757 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| SA GENEARL AGENCY, INC.3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 14.56% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.26% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.97% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 199 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $24K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 87 | $33K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 69 | $9K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.