| 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. | $33K | $3K | $36K | 2.90% |
| GUSTAVO DANIEL GEVARA3 Filed as: GUSTAVO GEVARA | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $16K | $473 | $16K | 19.80% |
| CARLOS D ESPINOSA3 Filed as: CARLOS ESPINOSA | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $2K | $98 | $2K | 2.17% |
| DAWN TOWNS3 | 23242 LIDSTONE POINT CT KATY, TX 77494 | AFLAC | $405 | — | $405 | 0.50% |
| MARYANN MCBRAYER3 | 10818 WYSALL CLIFF CT HOUSTON, TX 77064 | AFLAC | $178 | — | $178 | 0.22% |
| EDWARD SCARBROUGH3 | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $159 | — | $159 | 0.20% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $122 | — | $122 | 0.15% |
| HEATHER NEDDEAU3 | 20518 N BLUE HYACINTH DR CYPRESS, TX 77433 | AFLAC | $114 | — | $114 | 0.14% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $100 | — | $100 | 0.12% |
| CHERYL SCARBROUGH3 | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $47 | — | $47 | 0.06% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $30 | — | $30 | 0.04% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 6028 YALE CT NORTH RIDGEVILLE, OH 44039 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS WESLEY3 | 837 MOSS CANYON DR AMHERST, OH 44001 | AFLAC | $3 | — | $3 | 0.00% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $324 | $5K | 16.07% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $323 | $5K | 16.16% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $6K | $230 | $6K | 24.65% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $754 | $50 | $804 | 3.24% |
| TRUDY MARCELLINO3 Filed as: TRUDY MACELLINO | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $6 | — | $6 | 0.02% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $893 | $66 | $959 | 16.11% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $215 | — | $215 | 6.18% |
| DAWN TOWNS3 Filed as: DAWN MARIE TOWNS | 23242 LIDSTONE POINT CT KATY, TX 77494 | AFLAC | $58 | — | $58 | 1.67% |
| JOHANN Y RESTITUYO3 | 19403 ALTON SPRINGS DR CYPRESS, TX 77433 | AFLAC | $30 | — | $30 | 0.86% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $15 | — | $15 | 0.43% |
| HEATHER NEDDEAU3 | 20518 N BLUE HYACINTH DR CYPRESS, TX 77433 | AFLAC | $8 | — | $8 | 0.23% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $42 | — | $42 | 6.15% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 192 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 192 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 192 | $1.2M |
| Life insurance(5 contracts, 2 carriers) | AFLAC | 139 | $116K |
| Short-term disability(4 contracts) | AFLAC | 78 | $110K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $30K |
| Other(6 contracts, 2 carriers) | AFLAC | 139 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.