| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $39K | — | $39K | 2.59% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GUSTAVO DANIEL GEVARA3 Filed as: GUSTAVO GEVARA | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $9K | $39 | $9K | 15.66% |
| CARLOS D ESPINOSA3 Filed as: CARLOS ESPINOSA | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $793 | $9 | $802 | 1.33% |
| DAWN TOWNS3 | 23242 LIDSTONE POINT CT KATY, TX 77494 | AFLAC | $457 | — | $457 | 0.76% |
| MARYANN MCBRAYER3 | 10818 WYSALL CLIFF CT HOUSTON, TX 77064 | AFLAC | $164 | — | $164 | 0.27% |
| HEATHER NEDDEAU3 | 20518 N BLUE HYACINTH DR CYPRESS, TX 77433 | AFLAC | $144 | — | $144 | 0.24% |
| EDWARD SCARBROUGH3 | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $130 | — | $130 | 0.22% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $100 | — | $100 | 0.17% |
| MARIO SILVA3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $83 | — | $83 | 0.14% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $77 | — | $77 | 0.13% |
| CHERYL SCARBROUGH3 | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $37 | — | $37 | 0.06% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 6028 YALE CT NORTH RIDGEVILLE, OH 44039 | AFLAC | $14 | — | $14 | 0.02% |
| THOMAS WESLEY3 | 837 MOSS CANYON DR AMHERST, OH 44001 | AFLAC | $11 | — | $11 | 0.02% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $5 | — | $5 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GUSTAVO DANIEL GEVARA3 Filed as: GUSTAVO GEVARA | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $5K | $132 | $6K | 29.03% |
| CARLOS D ESPINOSA3 Filed as: CARLOS ESPINOSA | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $669 | $31 | $700 | 3.63% |
| MARIO SILVA3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $5 | — | $5 | 0.03% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GUSTAVO DANIEL GEVARA3 Filed as: GUSTAVO GEVARA | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $1K | $36 | $1K | 16.16% |
| DAWN TOWNS3 | 23242 LIDSTONE POINT CT KATY, TX 77494 | AFLAC | $144 | — | $144 | 1.72% |
| CARLOS D ESPINOSA3 Filed as: CARLOS ESPINOSA | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $133 | $8 | $141 | 1.69% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN RESTITUYO | 19403 ALTON SPRINGS DR CYPRESS, TX 77433 | AFLAC | $74 | — | $74 | 0.89% |
| HEATHER NEDDEAU3 | 20518 N BLUE HYACINTH DR CYPRESS, TX 77433 | AFLAC | $11 | — | $11 | 0.13% |
| GUSTAVO DANIEL GEVARA3 Filed as: GUSTAVO GEVARA | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $99 | — | $99 | 6.11% |
| DAWN TOWNS3 | 23242 LIDSTONE POINT CT KATY, TX 77494 | AFLAC | $21 | — | $21 | 1.30% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $1.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $1.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $1.5M |
| Life insurance(5 contracts, 2 carriers) | AFLAC | 222 | $99K |
| Short-term disability(4 contracts) | AFLAC | 65 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $27K |
| Other(5 contracts, 2 carriers) | AFLAC | 222 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.