| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 1.80% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | AFLAC | $11K | $18 | $11K | 8.03% |
| TANYA LOREE BRYAN3 | 42 N DELTA MILL CIR THE WOODLANDS, TX 77385 | AFLAC | $5K | $4 | $5K | 3.39% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LN CONROE, TX 77385 | AFLAC | $2K | $4 | $2K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AFLAC | $1K | — | $1K | 0.90% |
| ALYSSA MARIE WYBLE3 | 2708 NORTHERN DR LEAGUE CITY, TX 77573 | AFLAC | $1K | — | $1K | 0.90% |
| TODD A STULL3 | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $1K | — | $1K | 0.81% |
| MAYLIN P CHAVEZ3 | 17835 ALPINE BROOK LN HUMBLE, TX 77346 | AFLAC | $465 | — | $465 | 0.33% |
| MARLENE GONZALEZ WANZONG3 | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | AFLAC | $391 | — | $391 | 0.27% |
| LORA MARIE WATSON3 | PO BOX 1663 MAGNOLIA, TX 77353 | AFLAC | $385 | — | $385 | 0.27% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIR S LEAGUE CITY, TX 77573 | AFLAC | $376 | — | $376 | 0.26% |
| VERONICA ESTRADA3 Filed as: VERONICA ESTRADA SEAY | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | AFLAC | $280 | — | $280 | 0.20% |
| EDDIE PLAISANCE3 | 551 ALABAMA PARK CONROE, TX 77302 | AFLAC | $279 | — | $279 | 0.20% |
| WILLIAM BALLOU3 | 6900 LAKE WOODLANDS DR APT 614 SPRING, TX 77382 | AFLAC | $230 | — | $230 | 0.16% |
| HELENA L MCCOWAN3 | 13135 CHATFIELD MANOR LN TOMBALL, TX 77377 | AFLAC | $228 | — | $228 | 0.16% |
| ANDREA HOFFER3 | 13514 WINTERCREST DR MONTGOMERY, TX 77326 | AFLAC | $153 | — | $153 | 0.11% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $141 | — | $141 | 0.10% |
| WILLIE J ALEXANDER3 | PO BOX 926215 HOUSTON, TX 77292 | AFLAC | $125 | — | $125 | 0.09% |
| VERONICA ESTRADA3 | 2614 S WILDWIND CIRCLE THE WOODLANDS, TX 77380 | AFLAC | $86 | — | $86 | 0.06% |
| MARTIN LYLE JEFFERSON3 | 3861 PALM STREET HOUSTON, TX 77004 | AFLAC | $76 | — | $76 | 0.05% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $71 | — | $71 | 0.05% |
| DAVE GORDY3 | 3928 TIMBERWOOD LN HUNTSVILLE, TX 77340 | AFLAC | $69 | — | $69 | 0.05% |
| CHRISTOPHER T KELLY3 | 12600 NORTHBOROUGH DR STE 210 HOUSTON, TX 77067 | AFLAC | $69 | — | $69 | 0.05% |
| JEFFREY C WEST3 | 17403 WIDMORE PL SPRING, TX 77379 | AFLAC | $67 | — | $67 | 0.05% |
| PHILIP M PETERSON3 | 1800 ST JAMES PL STE 150 HOUSTON, TX 77056 | AFLAC | $54 | — | $54 | 0.04% |
| CHRISTIAN M KRUEGER3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $49 | — | $49 | 0.03% |
| MICHAEL A CUTAIA3 | 1225 NORTH LOOP W STE 214 HOUSTON, TX 77008 | AFLAC | $44 | — | $44 | 0.03% |
| BRITTON D ATWOOD3 | 803 CEDAR CREEK DR TYLER, TX 75703 | AFLAC | $40 | — | $40 | 0.03% |
| JEANNETTE E FATHERREE3 | 11876 MOORHEN CIR FT WORTH, TX 76244 | AFLAC | $39 | — | $39 | 0.03% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $34 | — | $34 | 0.02% |
| KENT A TOWNSEND3 | 9318 CHISHOLM TRL TYLER, TX 75703 | AFLAC | $33 | — | $33 | 0.02% |
| MARTH SUE DAVIS3 | 17914 NORWOOD OAKS DR SPRING, TX 77379 | AFLAC | $24 | — | $24 | 0.02% |
| KENT A TOWNSEND3 | 9318 CHISHOLM TRL TYLER, TX 75703 | AFLAC | $21 | — | $21 | 0.01% |
| MICHAEL FATHERREE3 | 11876 MOOREHEN CIR FT WORTH, TX 76244 | AFLAC | $19 | — | $19 | 0.01% |
| ADAM C BILES3 | 17827 SHADY ARBOR LANE SPRING, TX 77379 | AFLAC | $18 | — | $18 | 0.01% |
| SANDRA D SCOTT3 | PO BOX 1525 HOUSTON, TX 77251 | AFLAC | $16 | — | $16 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $16 | — | $16 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $12 | — | $12 | 0.01% |
| CHERISE M WADE3 | 4003 NE 23RD PL CAPE CORAL, FL 33909 | AFLAC | $11 | — | $11 | 0.01% |
| PRENTISS ATKINS CASTLE JR3 | 25503 PENGUINSTREET MAGNOLIA, TX 77355 | AFLAC | $11 | — | $11 | 0.01% |
| SANDRA D SCOTT3 | 16263 FIELD HAZE TRAIL CYPRESS, TX 77433 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | — | $6 | 0.00% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | AFLAC | $5 | — | $5 | 0.00% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES RANDALL PEOPLES3 | 2002 CLAIRE COURT SUGARLAND, TX 77478 | AFLAC | $3 | — | $3 | 0.00% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $3 | — | $3 | 0.00% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIR TYLER, TX 75703 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $1 | — | $1 | 0.00% |
| JARED N JONES3 | 6907 RANCH FOREST DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 36-3739783 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $26K |
| DISCOVERY BENFITS, INC ADMINISTROTOR | Contract Administrator Service code 13 | 3216 13TH AVENUE S FARGO, ND 58103 | $25K |
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 | 899 | 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) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,355 | $8.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 899 | $434K |
| Vision | HM LIFE INSURANCE COMPANY | 1,355 | $78K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,123 | $548K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,123 | $548K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,123 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,355 | — |
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.