| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCOR INSURANCE MANAGEMENT3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TEXAS | $116K | — | $116K | 3.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SERVIC | 4851 LYNDON B JOHNSON FWY-STE 100 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $29K | — | $29K | 0.99% |
| BRANNON BROOKE3 Filed as: BRANNON BROOK | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | AFLAC | $15K | — | $15K | 6.64% |
| LISA N. BATES3 Filed as: LISA BATES | 15 MAIZE FLOWER PL TOMBALL, TX 77375 | AFLAC | $12K | $1K | $13K | 6.10% |
| VICTORIA ANNE BEENE3 Filed as: VICTORIA BEENE | 4014 YALE SQUARE COURT 1 KATY, TX 77449 | AFLAC | $11K | $919 | $12K | 5.57% |
| CHRISTOPHER KELLY3 | 12600 NORTHBOROUGH DR-STE 210 HOUSTON, TX 77067 | AFLAC | $5K | $258 | $5K | 2.19% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS | 12600 NORTHBOROUGH DR-STE 210 HOUSTON, TX 77067 | AFLAC | $5K | $258 | $5K | 2.17% |
| HENRY J ROTH3 Filed as: HENRY ROTH | 1004 WHISPERING WIND WAY HENDERSONVILLE, TN 37075 | AFLAC | $2K | — | $2K | 0.83% |
| NOEL EUGENE BEENE3 Filed as: NOEL BEENE | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $1K | $184 | $2K | 0.74% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD-SUITE 105 KATY, TX 77450 | AFLAC | $872 | $442 | $1K | 0.60% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $893 | — | $893 | 0.41% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER - APT 107 OVERLAND PARK, KS 66213 | AFLAC | $686 | — | $686 | 0.31% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $432 | $184 | $616 | 0.28% |
| HAYWARD ALEXANDER3 | 66 N FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AFLAC | $547 | — | $547 | 0.25% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $415 | — | $415 | 0.19% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON II | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $325 | — | $325 | 0.15% |
| JARED E DAY3 Filed as: JARED DAY | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $150 | — | $150 | 0.07% |
| PRENTISS ATKINS CASTLE JR3 Filed as: PRENTISS CASTLE JR. | 7293 DABADIE ROAD VENTRESS, LA 70783 | AFLAC | $19 | $25 | $44 | 0.02% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $14 | $25 | $39 | 0.02% |
| RICHARD JONES JR3 Filed as: RICHARD JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $33 | — | $33 | 0.02% |
| MAEDE C MILLER3 Filed as: MAEDE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $7 | $25 | $32 | 0.01% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $7 | $25 | $32 | 0.01% |
| BRENT FORD3 | 40 NE LOOP 410-STE 408 SAN ANTONIO, TX 78216 | AFLAC | $17 | — | $17 | 0.01% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S-STE 510 HOUSTON, TX 77070 | AFLAC | $6 | — | $6 | 0.00% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337-2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $2 | — | $2 | 0.00% |
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 4851 LYNDON B JOHNSON FWY-STE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.02% |
| TCOR INSURANCE MANAGEMENT3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | HUMANADENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STATION, TX 77842 | HUMANADENTAL INSURANCE COMPANY | — | $520 | $520 | 1.04% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 725 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 725 | $2.9M |
| Vision | HUMANADENTAL INSURANCE COMPANY | 386 | $50K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 431 | $71K |
| Short-term disability | AFLAC | 167 | $219K |
| Other(2 contracts, 2 carriers) | AFLAC | 431 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.