| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $50K | — | $50K | 5.35% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 13.98% |
| GLADY R ROWAN3 Filed as: GLADY ROWAN | 202 WEST LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 8.32% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIRCLE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.14% |
| EDGHILL ENTERPRISES LLC3 | 7811 FRAMTON ROAD LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $441 | $2K | 2.87% |
| WILLIAM CASEY MURCH3 | 336 NEWPORT DRIVE VAN ALSTYNE, TX 75495 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.30% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $11 | $949 | 1.12% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $128 | $565 | 0.67% |
| JAMES M EANES3 | 1700 EAST JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 0.44% |
| JADEN BROOKE ENGLAND3 | 111 SOUTH DUGAN STREET BELLS, TX 75414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 0.37% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $84 | $314 | 0.37% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $74 | $312 | 0.37% |
| CYNTHIA M ANGEL3 | 1532 TANGLEWOOD DRIVE ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.36% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $16 | $241 | 0.29% |
| KATHRYN M ROWAN3 | 305 SOUTH BRADLEY STREET MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $52 | $179 | 0.21% |
| PHILIP LEONARD TUCKER3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $6 | $167 | 0.20% |
| JASON CHRISTOPHER DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.11% |
| LYNNE ANN DRAGON3 | 9425 ROLATER DRIVE FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.08% |
| ROBERT RUSHING3 | 223 WEST ANDERSON LANE LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $28 | $52 | 0.06% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $3 | $31 | 0.04% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $10 | $27 | 0.03% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $11 | $23 | 0.03% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | 0.02% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $11 | $18 | 0.02% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.70% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 177 | $929K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 177 | $929K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 121 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 121 | $45K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $84K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 121 | $45K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.