| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPSTONE STRATEGIES LLC3 | 1002 W WALL STREET MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $232K | $10K | $241K | 4.26% |
| MANUEL RONQUILLO3 Filed as: MANUEL ANTONIO RONQUILLO | 2720 ROGER AVE ODESSA, TX 79762 | AFLAC | $21K | — | $21K | 5.03% |
| SANDRA K RONQUILLO3 | 855 CENTRAL DR, STE 30 ODESSA, TX 79761 | AFLAC | $13K | — | $13K | 3.03% |
| MATTHEW D ALLISON3 Filed as: MATTHEW ALLISON | PO BOX 14403 ODESSA, TX 79768 | AFLAC | $12K | — | $12K | 2.98% |
| MARK RONQUILLO3 Filed as: MARK ANTHONY RONQUILLO | 2720 ROGER AVE ODESSA, TX 79762 | AFLAC | $11K | $191 | $11K | 2.74% |
| BLESSED MOSLEY INC3 | 4803 PLAZA BLVD STE 702 ODESSA, TX 79762 | AFLAC | $10K | $530 | $11K | 2.62% |
| LAURA JACOBO3 | 1507 N COUNTY ROAD 1105 MIDLAND, TX 79706 | AFLAC | $9K | $1K | $11K | 2.53% |
| SANDRA DEE FOWLER3 | 545 ARVEL CIRCLE AZLE, TX 76020 | AFLAC | $5K | $669 | $6K | 1.45% |
| HARVEY HERNANDEZ3 Filed as: HARVEY A HERNANOEZ | 5201 CONLEY AVE ODESSA, TX 79762 | AFLAC | $6K | $83 | $6K | 1.38% |
| GAYLA J GENEVA3 | 763 CEDAR DRIVE POTTSBORO, TX 75076 | AFLAC | $5K | $623 | $5K | 1.30% |
| JANICE M KAPP3 | 10975 W CAVE BLVD DRIPPING SPRINGS, TX 78620 | AFLAC | $3K | $420 | $4K | 0.88% |
| EDWARD BITOLAS3 | 1332 LINDBERG ST ODESSA, TX 79763 | AFLAC | $2K | — | $2K | 0.40% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE, STE F LUBBOCK, TX 79423 | AFLAC | $828 | $526 | $1K | 0.32% |
| JUANA L GALINDO3 | 413 PECOS ST ODESSA, TX 79761 | AFLAC | $1K | $19 | $1K | 0.31% |
| CARINA URIAS3 | 3113 E 31ST ST ODESSA, TX 79762 | AFLAC | $1K | — | $1K | 0.28% |
| JENNIFER ALLISON3 Filed as: JENNIFER L ALLISON | 4803 PLAZA BLVD STE 702 ODESSA, TX 79762 | AFLAC | $941 | — | $941 | 0.23% |
| JANINE H LEYER3 | PO BOX 1000 WEST JORDAN, UT 84084 | AFLAC | $842 | — | $842 | 0.20% |
| TERRA LEE PIERCE3 | 4803 ELMA DR MIDLAND, TX 79707 | AFLAC | $818 | — | $818 | 0.20% |
| MYRA MARTINEZ3 | 517 E 93RD ST ODESSA, TX 79765 | AFLAC | $766 | — | $766 | 0.18% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE STE D LUBBOCK, TX 79423 | AFLAC | $648 | — | $648 | 0.16% |
| ELLEN MOSLEY3 | 4803 PLAZA BLVD STE 702 ODESSA, TX 79762 | AFLAC | $612 | $19 | $631 | 0.15% |
| JANIE VILLANUEVA3 | 2725 ROGER AVE ODESSA, TX 79762 | AFLAC | $506 | — | $506 | 0.12% |
| STACY ERVIEN3 | 25175 ROAD CORTEZ, CO 81321 | AFLAC | $295 | $12 | $307 | 0.07% |
| KARLA MCAFFEE3 Filed as: KARLA L MCAFFEE | 1993 DEWAR DR UNIT 1 ROCK SPRINGS, WY 82901 | AFLAC | $302 | — | $302 | 0.07% |
| DEANNA M CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $260 | — | $260 | 0.06% |
| JANICE ARCHER3 Filed as: JANICE NOREEN ARCHER | 3205 HAYNES DR MIDLAND, TX 79705 | AFLAC | $241 | — | $241 | 0.06% |
| CHRISTINA D PARKER3 | 405 W NEELY AVE COMANCHE, TX 76442 | AFLAC | $193 | — | $193 | 0.05% |
| PETER LEYER3 | PO BOX 1000 WEST JORDAN, UT 84084 | AFLAC | $183 | — | $183 | 0.04% |
| LACY SHULTS3 | 9340 W 26TH ST ODESSA, TX 79763 | AFLAC | $157 | — | $157 | 0.04% |
| ROBERT C WHITE3 | 12154 N COUNTY ROAD 3260 PAULS VALLEY, OK 73075 | AFLAC | $136 | — | $136 | 0.03% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE, STE F LUBBOCK, TX 79423 | AFLAC | $129 | — | $129 | 0.03% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 S FM 51, STE 300 DEGATUR, TX 76234 | AFLAC | $126 | — | $126 | 0.03% |
| OLGA BOSTIC3 Filed as: OLGA P BOSTIC | 39410 EAST COUNTY ROAD 1520 PAULS VALLEY, OK 73075 | AFLAC | $111 | — | $111 | 0.03% |
| DARRELL RAWLINS3 | 8338 S MESA DR SANY, UT 84093 | AFLAC | $99 | — | $99 | 0.02% |
| RODGER LINCOLN WELLS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $87 | — | $87 | 0.02% |
| JIMMIE BOSTIC3 Filed as: JIMMIE D BOSTIC | 39410 E COUNTY ROAD 1520 PAULS VALLEY, OK 73075 | AFLAC | $84 | — | $84 | 0.02% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $80 | — | $80 | 0.02% |
| CAROL LYNNE RICHARDSON3 | 2701 HALIFAX AVE ODESSA, TX 75771 | AFLAC | $78 | — | $78 | 0.02% |
| MARK LUDWIG3 | 376 E DESERT GARDENS LN IVINS, UT 84738 | AFLAC | $70 | — | $70 | 0.02% |
| JUDSON T LAW3 | 7654 WILLOW WALK IN EAGLE MOUNTAIN, UT 84005 | AFLAC | $64 | — | $64 | 0.02% |
| ROBERT ALANIS MARTINEZ3 | PO BOX 1103 SAINT FRANCIS, KS 67756 | AFLAC | $62 | $2 | $64 | 0.02% |
| CINDY SIMCOX3 | 982 VALLEY ROAD RIVERTON, WY 82501 | AFLAC | $61 | — | $61 | 0.01% |
| VICKIE DENESE GRAVES3 | 17622 ARCADIA POINT LN HUMBLE, TX 77346 | AFLAC | $60 | — | $60 | 0.01% |
| INSURANCE ONE MANAGEMENT INC3 Filed as: INSURANCE ONE MANAGMENT INC. | 1309 W WALL MIDLAND, TX 79701 | AFLAC | $60 | — | $60 | 0.01% |
| JUSTIN C LAMB3 | 3612 DAYDREAM PL SAINT CLOUD, FL 34772 | AFLAC | $57 | — | $57 | 0.01% |
| LINDA BURNS3 | 22617 E COUNTY ROAD 1530 MANGUM, OK 73554 | AFLAC | $49 | — | $49 | 0.01% |
| JEFFERY EDMOND FOWLER3 | 8405 COUNTY ROAD 8940 LUBBOCK, TX 79407 | AFLAC | $46 | — | $46 | 0.01% |
| KEVIN D GOODMAN3 | 749 GATEWAY BLDG D ABILENE, TX 79602 | AFLAC | $42 | $2 | $44 | 0.01% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $42 | — | $42 | 0.01% |
| DAMON STREETMAN3 | 2961 W MAPLE LOOP DR STE 230 LEHI, UT 84043 | AFLAC | $38 | — | $38 | 0.01% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P EVANS JR INC | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $35 | — | $35 | 0.01% |
| JOSHUA DAVISON3 Filed as: JOSHUA D DAVISON | 800 LEXINGTON ST TRLR 250 NORMAN, OK 73069 | AFLAC | $33 | — | $33 | 0.01% |
| BRENDA MEACHAM3 | 200 EAST GARY BLVD CLINTON, OK 73601 | AFLAC | $32 | — | $32 | 0.01% |
| MICHAEL GRASS3 | 31026 PECAN CREEK DR BROOKSHIRE, TX 77423 | AFLAC | $30 | — | $30 | 0.01% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE, STE F LUBBOCK, TX 79762 | AFLAC | $22 | — | $22 | 0.01% |
| DEAN HAMMER3 Filed as: DEAN F HAMMER | 3806 TAVERN OAKS ST SAN ANTONIO, TX 78247 | AFLAC | $21 | — | $21 | 0.01% |
| KENNETH B BEDDOW3 | 707 N WALNUT ST PAULS VALLEY, OK 73075 | AFLAC | $20 | — | $20 | 0.00% |
| GLENDA JOHNSON3 Filed as: GLENDA A JOHNSON | 1220 S BROADWAY ST STE.C MARLOW, OK 73055 | AFLAC | $18 | — | $18 | 0.00% |
| RONNIE COLE3 Filed as: RONNIE JOE COLE | 1220 S BROADWAY ST STE C MARLOW, OK 73055 | AFLAC | $18 | — | $18 | 0.00% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE1 BRJDGEPORT, TX 76426 | AFLAC | $16 | $1 | $17 | 0.00% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $12 | — | $12 | 0.00% |
| MLCHAEL GRASS3 | 21707 KINGSLAND BLVD, SUIRE 105 KATY, TX 77450 | AFLAC | $12 | — | $12 | 0.00% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $12 | — | $12 | 0.00% |
| AMANDA MCCANN POTTER3 | 911 N MIDKIFF RD MIDLAND, TX 79701 | AFLAC | $12 | — | $12 | 0.00% |
| DANIEL KALE CHRISTIAN3 | 909 TURTLE CREEK ST CLINTON, OK 73601 | AFLAC | $11 | — | $11 | 0.00% |
| MISTY DETIVEAUX3 Filed as: MISTY LYNN DETIVEAUX | 735 BAYOU DULARGE RD HOUMA, LA 70363 | AFLAC | $11 | — | $11 | 0.00% |
| LISA HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | AFLAC | $10 | — | $10 | 0.00% |
| JASON L WEEKS3 | 204 S MAIN ST, STE 120 KELLER, TX 76248 | AFLAC | $10 | — | $10 | 0.00% |
| DAVID A. MASCHINO3 Filed as: DAVID A WHITE | PO BOX 511 PAULS VALLEY, OK 73075 | AFLAC | $9 | — | $9 | 0.00% |
| MARCI M SCHNITKER3 | PO BOX 245 GUNTER, TX 75058 | AFLAC | $9 | — | $9 | 0.00% |
| KENNETH B BEDDOW3 | 34550 AJRLINE RD PAULS VALLEY, OK 73075 | AFLAC | $9 | — | $9 | 0.00% |
| JASON L WEEKS3 | 204 S MAIN ST STE 240. KELLER, TX 76248 | AFLAC | $7 | $1 | $8 | 0.00% |
| KIMBERLY BAKER3 Filed as: KIMBERLY G BAKER | 9673 N 2130 RD BUTLER, OK 73625 | AFLAC | $6 | — | $6 | 0.00% |
| GLENDA JOHNSON3 | 1220 S BROADWAY ST STE C MARLOW, OK 73055 | AFLAC | $6 | — | $6 | 0.00% |
| RONNIE COLE3 Filed as: RONNIE JOE COLE | 1220 S BROADWAY SULTE C MARLOW, OK 73055 | AFLAC | $6 | — | $6 | 0.00% |
| MARCL M CRADDOCK3 | 1102 STEVENS ST STE 3 BRIDGEPORT, TX 76426 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES R HILL JR3 | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $4 | — | $4 | 0.00% |
| N C HALBERT III3 Filed as: NC HALBERT III | 4400 N BIG SPRING STREET 130 MIDLAND, TX 79705 | AFLAC | $4 | — | $4 | 0.00% |
| DARREN JOSEPH VERDIN3 | 1340 W TUNNEL BLVD STE 650 HOUMA, LA 70360 | AFLAC | $2 | — | $2 | 0.00% |
| ROSS L WELLS3 | 415 W WALL ST SUITE 1818 MIDLAND, TX 79701 | AFLAC | $2 | — | $2 | 0.00% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $1 | — | $1 | 0.00% |
| LESTER RAY BLACKSHEAR3 | 8545 SW 86TH TER OCALA, FL 34481 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES R HILL JR3 | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE, STE 100 LAFAYETTE, LA 70508 | AFLAC | $1 | — | $1 | 0.00% |
| CAPSTONE STRATEGIES LLC3 | 1002 W WALL STREET MIDLAND, TX 79701 | DEARBORN NATIONAL | $23K | $7K | $30K | 23.73% |
| CAPSTONE STRATEGIES LLC3 | 1002 W WALL STREET MIDLAND, TX 79701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.15% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,259 | $5.7M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,259 | $6.1M |
| Vision(2 contracts, 2 carriers) | AFLAC | 889 | $484K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 475 | $544K |
| Short-term disability | AFLAC | 319 | $418K |
| Other(2 contracts, 2 carriers) | AFLAC | 475 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.