| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIGHTLINE DEALER ADVISORS, LLC3 | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.98% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 14131 MIDWAY ROAD ADDISON, TX 75001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.30% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $8K | 17.72% |
| BRIGHTLINE DEALER ADVISORS, LLC3 | 153001 DALLAS PARKWAY ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 15.26% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 14.46% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $498 | $3K | 6.49% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 S. WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.45% |
| CAROL JEAN HALL3 | 5737 E CHAPTER DRIVE TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 3.57% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $89 | $2K | 3.53% |
| STEVEN ROBERT KURZ3 | 14640 N 90TH DRIVE PEORIA, AZ 85381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $312 | $468 | 0.99% |
| CAMILLE HOLLAN SIDEL POTTS3 | 100 DETERING AVE APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 0.90% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 | 8601 N. BLACK CANYON HIGHWAY SUITE 20 PHOENIX, AA 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $196 | $308 | 0.65% |
| ANNALISA MARIE KURZ3 | 8601 N BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $33 | $77 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINAIRE HEALTH BENEFITS EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $49K |
| BRIGHTLINE DEALER ADVISORS, LLC EIN 47-5571512 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $36K |
| CIGNA EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $21K |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $92K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $92K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $73K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 103 | $360K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.