| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 411 SOUTH IH- 35, STE 105 GEORGETOWN, TX 78626 | HUMANA HEALTH PLAN OF TEXAS, INC | $16K | — | $16K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - AUSTIN | 2850 GOLF ROAD, 5TH FL ROLLING MEADOWS, IL 60008 | HUMANA HEALTH PLAN OF TEXAS, INC | — | $1K | $1K | 0.46% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | $2K | $1K | $3K | 7.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $230 | $2K | 19.04% |
| ELIZABETH A LAWSON3 Filed as: ELIZABETH LAWSON | 4750 HOLLY HILL DR APT 111 DALLAS, TX 75231 | AFLAC | $306 | — | $306 | 7.98% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $56 | — | $56 | 1.46% |
| KEVIN BAILEY3 | 7105 WIND ROW DR MCKINNEY, TX 75070 | AFLAC | $49 | — | $49 | 1.28% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $41 | — | $41 | 1.07% |
| CAROL MARCON3 | 40878 DAILEY RD FALLBROOK, CA 92028 | AFLAC | $22 | — | $22 | 0.57% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $19 | — | $19 | 0.50% |
| WILLIAM COVINGTON3 | 550 S WATTERS RD STE 103 ALLEN, TX 75013 | AFLAC | $15 | — | $15 | 0.39% |
| SCOTT WEBB3 | 12366 W MILTON DR PEORIA, AZ 85383 | AFLAC | $10 | — | $10 | 0.26% |
| CLAUDIA S. CHAMORRO3 Filed as: CLAUDIA CHAMORRO | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $9 | — | $9 | 0.23% |
| AMY REYES3 | 1881 E POINTE AVE CARLSBAD, CA 92008 | AFLAC | $8 | — | $8 | 0.21% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | AFLAC | $8 | — | $8 | 0.21% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER KENNEDY | 2888 LOKER AVE E STE 210 CARLSBAD, CA 92010 | AFLAC | $5 | — | $5 | 0.13% |
| PAUL DANIEL CHRISTIAN3 Filed as: PAUL CHRISTIAN | 4211 PHOENIX DR CARROLLTON, TX 75010 | AFLAC | $4 | — | $4 | 0.10% |
| PAUL DANIEL CHRISTIAN3 Filed as: PAUL CHRISTIAN | 4211 PHOENIX DR CARROLLTON, TX 75010 | AFLAC | $4 | — | $4 | 0.10% |
| SANDY HANCOCK3 | 1501 SAN ELIJO ROAD S SAN MARCOS, CA 92078 | AFLAC | $3 | — | $3 | 0.08% |
| SANDY HANCOCK3 | 1501 SAN ELIJO ROAD S SAN MARCOS, CA 92078 | AFLAC | $3 | — | $3 | 0.08% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $3 | — | $3 | 0.08% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $2 | — | $2 | 0.05% |
| DANIEL MARTIN BREDESON3 Filed as: DANIEL BREDESON | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $2 | — | $2 | 0.05% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $2 | — | $2 | 0.05% |
| PAULA AINSWORTH3 | 8201 SONNET DR MCKINNEY, TX 75071 | AFLAC | $2 | — | $2 | 0.05% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $2 | — | $2 | 0.05% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $2 | — | $2 | 0.05% |
| MICHEAL REISNER3 | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $1 | — | $1 | 0.03% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $1 | — | $1 | 0.03% |
| JUSTIN C LAMB3 Filed as: JUSTIN LAMB | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $1 | — | $1 | 0.03% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | AFLAC | $1 | — | $1 | 0.03% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, LLC | — | — | $0 | 0.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE, STE 310 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, LLC | — | — | $0 | 0.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165 | $8 | $173 | 76.21% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | $6 | $124 | 79.49% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | $6 | $104 | 114.29% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC | 126 | $350K |
| Dental | CAREFIRST BLUECHOICE | 126 | $46K |
| Vision(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC | 81 | $304K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $91 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $91 |
| Prescription drug | CAREFIRST BLUECHOICE | 126 | $46K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.