| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | AFLAC | $16K | $575 | $17K | 12.13% |
| TIMOTHY MULVILLE3 | 6 WYNNOAK DR SPRING, TX 77382 | AFLAC | $5K | $5 | $5K | 3.29% |
| TANYA BRYAN3 | 42 N DELTA MILL CIR THE WOODLANDS, TX 77385 | AFLAC | $3K | $121 | $3K | 2.02% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $3K | $121 | $3K | 1.96% |
| EVELYN G VILLARREAL3 Filed as: EVELYN VILLARREAL | 7722 RICHMOND AVE HOUSTON, TX 77063 | AFLAC | $2K | — | $2K | 1.17% |
| MATTHEW SUTTON3 | 2318 LEGENDS SHORE DR SPRING, TX 77386 | AFLAC | $1K | — | $1K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AFLAC | $885 | — | $885 | 0.63% |
| ALYSSA MARIE WYBLE3 Filed as: ALYSSA WYBLE | 2708 NORTHERN DR LEAGUE CITY, TX 77573 | AFLAC | $521 | — | $521 | 0.37% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIR S LEAGUE CITY, TX 77573 | AFLAC | $321 | — | $321 | 0.23% |
| LORA WATSON3 | PO BOX 1663 MAGNOLIA, TX 77353 | AFLAC | $307 | — | $307 | 0.22% |
| VERONICA ESTRADA3 Filed as: VERONICA SEAY | 2614 S WILDWIND CIR THE WOODLANDS, TX 77380 | AFLAC | $221 | — | $221 | 0.16% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | AFLAC | $209 | — | $209 | 0.15% |
| HELENA L MCCOWAN3 Filed as: HELENA MCCOWAN | 13135 CHATFIELD MANOR LN TOMBALL, TX 77377 | AFLAC | $190 | — | $190 | 0.14% |
| WILLIAM BALLOU3 | 6900 LAKE WOODLANDS DR APT 614 SPRING, TX 77382 | AFLAC | $165 | — | $165 | 0.12% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $146 | — | $146 | 0.10% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $130 | — | $130 | 0.09% |
| EDDIE PLAISANCE3 | 11 GOLD LEAF PL CONROE, TX 77364 | AFLAC | $92 | — | $92 | 0.07% |
| WILLIE ALEXANDER3 | PO BOX 926215 HOUSTON, TX 77292 | AFLAC | $83 | — | $83 | 0.06% |
| MAYLIN P CHAVEZ3 Filed as: MAYLIN CHAVEZ | 17835 ALPINE BROOK LN HUMBLE, TX 77346 | AFLAC | $60 | $16 | $76 | 0.05% |
| ANDREA HOFFER3 | 13514 WINTERCREST DR MONTGOMERY, TX 77356 | AFLAC | $73 | — | $73 | 0.05% |
| MARTIN LYLE JEFFERSON3 Filed as: MARTIN JEFFERSON | 3861 PALM STREET HOUSTON, TX 77004 | AFLAC | $47 | — | $47 | 0.03% |
| CHRISTOPHER KELLY3 | 12600 NORTHBOROUGH DR STE 210 HOUSTON, TX 77067 | AFLAC | $45 | — | $45 | 0.03% |
| CHRISTIAN M KRUEGER3 Filed as: CHRISTIAN KRUEGER | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $39 | — | $39 | 0.03% |
| PHILIP PETERSON3 | 15910 TORRY PINES RD HOUSTON, TX 77062 | AFLAC | $34 | — | $34 | 0.02% |
| MICHAEL A CUTAIA3 Filed as: MICHAEL CUTAIA | 1225 NORTH LOOP W STE 214 HOUSTON, TX 77008 | AFLAC | $30 | — | $30 | 0.02% |
| ADELA CALDERON3 | 512 BRAMBLE DR AUSTIN, TX 78745 | AFLAC | $27 | — | $27 | 0.02% |
| MAEDE C MILLER3 Filed as: MAEDE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $27 | — | $27 | 0.02% |
| DON WALKER3 | 8600 FATHOM CIR APT 1403 AUSTIN, TX 78750 | AFLAC | $26 | — | $26 | 0.02% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $23 | — | $23 | 0.02% |
| DAVA GORDY3 | 3928 TIMBERWOOD LN HUNTSVILLE, TX 77340 | AFLAC | $21 | — | $21 | 0.01% |
| MARTHA SUE DAVIS3 Filed as: MARTHA DAVIS | 17914 NORWOOD OAKS DR SPRING, TX 77379 | AFLAC | $20 | — | $20 | 0.01% |
| SANDRA D SCOTT3 Filed as: SANDRA SCOTT | 16263 FIELD HAZE TRL CYPRESS, TX 77433 | AFLAC | $19 | — | $19 | 0.01% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $17 | — | $17 | 0.01% |
| PRENTISS ATKINS CASTLE JR3 Filed as: PRENTISS CASTLE JR | 7293 DABADIE RD VENTRESS, LA 70783 | AFLAC | $17 | — | $17 | 0.01% |
| ADAM BILES3 | 29804 WOODSONS EDGE WAY SPRING, TX 77386 | AFLAC | $11 | — | $11 | 0.01% |
| TERRY LAXSON3 | 6836 FM 2244 RD BLDG 3 AUSTIN, TX 78746 | AFLAC | $11 | — | $11 | 0.01% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 330 TORRINGTON DR AUSTIN, TX 78737 | AFLAC | $7 | — | $7 | 0.00% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $5 | — | $5 | 0.00% |
| JOE ANTHONY RODRIGUEZ3 Filed as: JOE RODRIGUEZ | 902 DIPPING LN HOUSTON, TX 77076 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES RANDALL PEOPLES3 Filed as: JAMES PEOPLES | 2002 CLAIRE COURT SUGAR LAND, TX 77478 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD HAGE3 | 115 ROLING HILLS DR SPICEWOOD, TX 78669 | AFLAC | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS, INC ADMINISTRATOR | Contract Administrator Service code 13 | 3216 13TH AVENUE S FARGO, ND 58103 | $26K |
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 | 922 | 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) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,771 | $9.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,771 | $9.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,771 | $9.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,226 | $504K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,226 | $504K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,270 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,771 | — |
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.