| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $49K | — | $49K | 5.83% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 12.40% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 6.20% |
| EDGHILL ENTERPRISES LLC3 | 7811 FRAMTON ROAD LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $188 | $3K | 3.75% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIRCLE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | $92 | $1K | 1.21% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $168 | $667 | 0.76% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $211 | $616 | 0.70% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $31 | $305 | 0.35% |
| CAROLINA CARRICK3 | 3706 DAUPHINE COURT ARLINGTON, TX 76016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $1 | $264 | 0.30% |
| WILLIAM CASEY MURCH3 | 336 NEWPORT DRIVE VAN ALSTYNE, TX 75495 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.24% |
| CHIRSTOPHER ALAN DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $22 | $157 | 0.18% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $21 | $135 | 0.15% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $20 | $84 | 0.10% |
| KYLE HARDING3 | 520 WEST 12TH STREET TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $30 | $71 | 0.08% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $6 | $46 | 0.05% |
| JASON CHRISTOPHER DARWIN3 | 4512 LEED DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.03% |
| PHILIP LEONARD TUCKER3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.02% |
| JAMES M EANES3 | 1700 EAST JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| JADEN BROOKE ENGLAND3 | 111 SOUTH DUGAN STREET BELLS, TX 75414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| JAMES D THRESHER3 | 1316 EAST NIGHTENGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.01% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | 0.01% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| ROBERT RUSHING3 | 223 WEST ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.46% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 179 | $847K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 179 | $847K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 122 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 122 | $45K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $88K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $45K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.