| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 5.15% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 11.21% |
| GLADY R ROWAN3 | 202 W LOUSIANA STREET SUITE 109 MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 7.59% |
| CYNTHIA M ANGEL3 | 1532 TANGLEWOOD DRIVE ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $2K | 1.47% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $144 | $1K | 1.40% |
| EDGHILL ENTERPRISES LLC3 | 2701 NORTH 70TH STREET APARTMENT 87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 1.37% |
| JOHN MILES ROWAN3 | 1610 HILL STREET MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | — | $752 | 0.72% |
| ROBERT MATTHEW SMITH3 | 300 HILLTOP AVENUE UNIT B RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $158 | $597 | 0.57% |
| LYNNE ANN DRAGON3 | 2300 KATHRYN LANE APARTMENT 3013 PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | — | $558 | 0.53% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DRIVE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $12 | $490 | 0.47% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $80 | $165 | 0.16% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $19 | $66 | 0.06% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.05% |
| MARIA VERONICA JARQUE3 | 4744 NORTH PAULINA STREET APARTMENT 1E CHICAGO, IL 80640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| DIERDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78252 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| PETER KRAUSE3 | PO BOX 867509 PLANO, TX 75086 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.77% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 180 | $934K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 180 | $934K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 136 | $50K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 136 | $50K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $105K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 136 | $50K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.