| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 11.19% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.89% |
| DAVID R FISHER3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $6K | $19 | $6K | 15.55% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $3K | $0 | $3K | 6.61% |
| KATHY M RAWLS3 | PO BOX 161734 FORTH WORTH, TX 76161 | AFLAC | $472 | $0 | $472 | 1.22% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $77 | $4 | $81 | 0.21% |
| MARY L WILLIAMS3 | 1102 STEVENS ST SUITE 1 BRIDGEPORT, TX 76426 | AFLAC | $71 | $0 | $71 | 0.18% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DRIVE APARTMENT 1103 FRSICO, TX 75034 | AFLAC | $55 | $0 | $55 | 0.14% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $52 | $0 | $52 | 0.13% |
| DONNA D LASKOSKIE3 | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $49 | $0 | $49 | 0.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST SUITE 200 FORT WORTH, TX 76102 | AFLAC | $35 | $0 | $35 | 0.09% |
| KYLE L CURBY3 | 429 JESSIE STREET KELLER, TX 76248 | AFLAC | $24 | $0 | $24 | 0.06% |
| DEREK P SMITH3 | 801 PANORAMA DRIVE DRIPPING SPRINGS, TX 78620 | AFLAC | $23 | $0 | $23 | 0.06% |
| THEODORE F CARTHEL3 | 615 COMANCHE DR LUBBOCK, TX 79404 | AFLAC | $20 | $0 | $20 | 0.05% |
| MAMILIANO JAMES RODRIGUEZ3 | 5939 MEADOWCREST DRIVE DALLAS, TX 75230 | AFLAC | $20 | $0 | $20 | 0.05% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE COURT PLANO, TX 75093 | AFLAC | $16 | $0 | $16 | 0.04% |
| DEREK P SMITH3 | 11609 MARION RD SANGER, TX 76266 | AFLAC | $9 | $4 | $13 | 0.03% |
| CECIL RAY PARKER3 | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $12 | $0 | $12 | 0.03% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 7606 UNIVERSITY AVE SUITE F LUBBOCK, TX 79423 | AFLAC | $12 | $0 | $12 | 0.03% |
| DENNIS MICHAEL ESARTE3 | 1300 N CUSTER RD APT 4107 ALLEN, TX 75013 | AFLAC | $9 | $0 | $9 | 0.02% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $8 | $0 | $8 | 0.02% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $8 | $0 | $8 | 0.02% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DRIVE AUSTIN, TX 78745 | AFLAC | $6 | $0 | $6 | 0.02% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $6 | $0 | $6 | 0.02% |
| HENRY J VIGIL3 | 8100 GAYLORD PKWY APT 1125 FRISCO, TX 75034 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARCO JOE KLIMEK3 | 3301 AIRPORT FWY SUITE 324 BEDFORD, TX 76021 | AFLAC | $4 | $0 | $4 | 0.01% |
| DARRIN GLENN SPRADLEY3 | 15105 KING OF SPAIN COURT DALLAS, TX 75248 | AFLAC | $3 | $0 | $3 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $2 | $0 | $2 | 0.01% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | $0 | $1 | 0.00% |
| T ALLEN HOWDESHELL3 | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARIS G. FRENCHA4 Filed as: DARIS G FRENCHA | 2032 EL CAMINO DRIVE FORT WORTH, TX 76177 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 60.83% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $434K |
| Dental | STANDARD INSURANCE COMPANY | 154 | $151K |
| Vision | STANDARD INSURANCE COMPANY | 154 | $151K |
| Life insurance | STANDARD INSURANCE COMPANY | 154 | $151K |
| Long-term disability | STANDARD INSURANCE COMPANY | 154 | $151K |
| Other(2 contracts, 2 carriers) | AFLAC | 35 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.