| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER R FAWCETT III3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $576 | $576 | 0.26% |
| WALTER R FAWCETT III3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $223 | $223 | 0.15% |
| WALTER R FAWCETT III3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $288 | $288 | 0.25% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | AFLAC | $10K | $362 | $10K | 9.04% |
| TANYA LOREE BRYAN3 | 42 N DELTA MILL CIR THE WOODLANDS, TX 77385 | AFLAC | $4K | $117 | $4K | 3.72% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LN CONROE, TX 77385 | AFLAC | $3K | $95 | $3K | 2.67% |
| ALYSSA MARIE WYBLE3 | 2708 NORTHERN DR LEAGUE CITY, TX 77573 | AFLAC | $3K | $26 | $3K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AFLAC | $2K | — | $2K | 1.34% |
| EDDIE PLAISANCE3 | 551 ALABAMA PARK CONROE, TX 77302 | AFLAC | $637 | — | $637 | 0.57% |
| JEFFREY C WEST3 | 17403 WIDMORE PL SPRING, TX 77379 | AFLAC | $317 | $91 | $408 | 0.36% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIR S LEAGUE CITY, TX 77573 | AFLAC | $325 | $51 | $376 | 0.33% |
| MARLENE GONZALEZ WANZONG3 | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | AFLAC | $324 | — | $324 | 0.29% |
| LORA MARIE WATSON3 | PO BOX 1663 MAGNOLIA, TX 77353 | AFLAC | $322 | — | $322 | 0.29% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | AFLAC | $295 | — | $295 | 0.26% |
| HELENA L MCCOWAN3 | 13135 CHATFIELD MANOR LN TOMBALL, TX 77377 | AFLAC | $190 | — | $190 | 0.17% |
| WILLIAM BALLOU3 | 6900 LAKE WOODLANDS DR APT 614 SPRING, TX 77382 | AFLAC | $184 | — | $184 | 0.16% |
| ANDREA HOFFER3 | 13514 WINTERCREST DR MONTGOMERY, TX 77356 | AFLAC | $166 | — | $166 | 0.15% |
| CHRISTIAN M KRUEGER3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $112 | $15 | $127 | 0.11% |
| WILLIE J ALEXANDER3 | PO BOX 926215 HOUSTON, TX 77292 | AFLAC | $108 | — | $108 | 0.10% |
| MARTIN LYLE JEFFERSON3 | 3861 PALM STREET HOUSTON, TX 77004 | AFLAC | $64 | — | $64 | 0.06% |
| ALYSSA MARIE WYBLE3 | 5114 RAINFLOWER CIR S LEAGUE CITY, TX 77573 | AFLAC | $57 | — | $57 | 0.05% |
| DAVA GORDY3 | 3928 TIMBERWOOD LN HUNTSVILLE, TX 77340 | AFLAC | $56 | — | $56 | 0.05% |
| CHRISTOPHER T KELLY3 | 12600 NORTHBOROUGH DR STE 210 HOUSTON, TX 77067 | AFLAC | $47 | — | $47 | 0.04% |
| PHILLIP M PETERSON3 | 1800 SAINT JAMES PL STE 150 HOUSTON, TX 77056 | AFLAC | $46 | — | $46 | 0.04% |
| KENT A TOWNSEND3 Filed as: KENT TOWNSEND | 9318 CHISHOLM TRL TYLER, TX 75703 | AFLAC | $41 | — | $41 | 0.04% |
| JEANNETTE E FATHERREE3 | PO BOX 36823 TUCSON, AZ 85740 | AFLAC | $39 | — | $39 | 0.03% |
| MICHAEL A CUTAIA3 | 1225 NORTH LOOP W STE 420 HOUSTON, TX 77008 | AFLAC | $38 | — | $38 | 0.03% |
| BRITTON D ATWOOD3 | 803 CEDAR CREEK DR TYLER, TX 75703 | AFLAC | $31 | — | $31 | 0.03% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $29 | — | $29 | 0.03% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $20 | $9 | $29 | 0.03% |
| SANDRA D SCOTT3 | 16263 FIELD HAZE TRAIL CYPRESS, TX 77433 | AFLAC | $22 | — | $22 | 0.02% |
| MICHAEL FATHERREE3 | PO BOX 36823 TUCSON, AZ 85740 | AFLAC | $19 | — | $19 | 0.02% |
| MARTHA SUE DAVIS3 | 17914 NORWOOD OAKS DR SPRING, TX 77379 | AFLAC | $18 | — | $18 | 0.02% |
| TODD A STULL3 | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $18 | — | $18 | 0.02% |
| STACY MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | -$8 | $24 | $16 | 0.01% |
| ADAM C BILES3 | 17827 SHADY ARBOR LANE SPRING, TX 77379 | AFLAC | $14 | — | $14 | 0.01% |
| CHRISTOPHER T KELLY3 | 23502 STARBRIDGE LAKE LN RICHMOND, TX 77407 | AFLAC | $12 | — | $12 | 0.01% |
| STEPHEN P MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | — | $5 | $5 | 0.00% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | AFLAC | $4 | — | $4 | 0.00% |
| HAMMIE WARD III3 | 9810 FM 1960 BYPASS RD W STE 137 HUMBLE, TX 77338 | AFLAC | -$1 | $5 | $4 | 0.00% |
| CYNTHIA D HILL SWIGGETT3 Filed as: CYNTHIA D HILL-SWIGGETT | 2335 WENTWORTH DR MONTGOMERY, AL 36106 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES RANDALL PEOPLES3 | 2002 CLAIRE COURT SUGAR LAND, TX 77478 | AFLAC | $2 | — | $2 | 0.00% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.00% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| RANDY B JACKSON3 | PO BOX 1550 MILLBROOK, AL 36054 | AFLAC | $2 | — | $2 | 0.00% |
| KEITH BELICH3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL SHANE KIRKLAND3 | 105 ABBEY RD BULLARD, TX 75757 | AFLAC | $1 | — | $1 | 0.00% |
| WALTER R FAWCETT III3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $360 | $360 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37 | $37 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 36-3739783 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $22K |
| DISCOVERY BENFITS, INC ADMINISTROTOR | Contract Administrator Service code 13 | 3216 13TH AVENUE S FARGO, ND 58103 | $14K |
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 | 874 | 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) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 874 | $6.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 882 | $394K |
| Vision | HM LIFE INSURANCE COMPANY | 1,217 | $60K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,081 | $281K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 397 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 463 | $148K |
| Other | AFLAC | 190 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.