| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TEXAS | $138K | — | $138K | 3.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SERV | 4851 LYNDON B. JOHNSON FWY.-STE 100 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $35K | — | $35K | 0.96% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGNCY LTD | PO BOX 10587 COLLEGE STATION, TX 77842 | BLUECROSS BLUESHIELD OF TEXAS | $26K | — | $26K | 0.72% |
| BRANNON BROOKE3 Filed as: BRANNON BROOK | 1421 HANZ DRIVE NEWBRAUNFELS, TX 78130 | AFLAC | $9K | $11 | $9K | 5.05% |
| VICTORIA ANNE BEENE3 Filed as: VICTORIA BEENE | PO BOX 1525 HOUSTON, TX 77251 | AFLAC | $7K | $942 | $8K | 4.46% |
| LISA N. BATES3 Filed as: LISA BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $7K | $893 | $8K | 4.28% |
| CHRISTOPHER KELLY3 | 12600 NORTHBOROUGH DRIVE-STE 210 HOUSTON, TX 77067 | AFLAC | $3K | $336 | $4K | 2.04% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS | 12600 NORTHBOROUGH DRIVE-STE 210 HOUSTON, TX 77067 | AFLAC | $3K | $179 | $3K | 1.67% |
| CRYSTAL MONTERRUBIO3 | 2307 ENCHANTED PARK LANE KATY, TX 77450 | AFLAC | $2K | $3 | $2K | 1.19% |
| HENRY J ROTH3 Filed as: HENRY ROTH | 113 WINDHAM DRIVE HENDERSONVILLE, TN 37075 | AFLAC | $1K | — | $1K | 0.64% |
| NOEL EUGENE BEENE3 Filed as: NOEL BEENE | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $864 | — | $864 | 0.48% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77368 | AFLAC | $673 | — | $673 | 0.38% |
| HAYWARD ALEXANDER3 | 66 N FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AFLAC | $502 | — | $502 | 0.28% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER - APT 107 OVERLAND PARK, KS 66213 | AFLAC | $437 | — | $437 | 0.24% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $309 | — | $309 | 0.17% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD., SUITE 105 KATY, TX 77450 | AFLAC | $290 | — | $290 | 0.16% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON II | 343 SABAL SPRINGS COURT DEBARY, FL 32713 | AFLAC | $232 | — | $232 | 0.13% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIRCLE CYPRESS, TX 77433 | AFLAC | $146 | — | $146 | 0.08% |
| JARED E DAY3 Filed as: JARED DAY | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $107 | — | $107 | 0.06% |
| PRENTISS ATKINS CASTLE JR3 Filed as: PRENTISS CASTLE JR. | 25503 PENGUIN STREET MAGNOLIA, TX 77355 | AFLAC | $94 | — | $94 | 0.05% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $65 | — | $65 | 0.04% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORP AGENCY | PO BOX 420390 HOUSTON, TX 77242 | AFLAC | $57 | — | $57 | 0.03% |
| MAEDE C MILLER3 Filed as: MAEDE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $32 | — | $32 | 0.02% |
| RICHARD JONES JR3 Filed as: RICHARD JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $31 | — | $31 | 0.02% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $30 | — | $30 | 0.02% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE S - STE 510 HOUSTON, TX 77070 | AFLAC | $24 | — | $24 | 0.01% |
| BRENT FORD3 | 40 NE LOOP 410 - SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $16 | — | $16 | 0.01% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337-2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER F SEIBERT3 Filed as: HEATHER SEIBERT | PO BOX 1329 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES ROB BLAKEY3 Filed as: JAMES BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $1 | — | $1 | 0.00% |
| TCOR INSURANCE AGENCY LTD3 Filed as: TCOR INSURANCE AGENCY LTD. | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | $111 | $12K | 14.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 4851 LYNDON B. JOHNSON FWY-STE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.79% |
| TCOR INSURANCE MANAGEMENT3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | HUMANADENTAL INSURANCE COMPANY | $5K | — | $5K | 9.91% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STATION, TX 77842 | HUMANADENTAL INSURANCE COMPANY | — | $231 | $231 | 0.43% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,002 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,002 | $3.6M |
| Vision | HUMANADENTAL INSURANCE COMPANY | 594 | $53K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 597 | $82K |
| Short-term disability | AFLAC | 150 | $179K |
| Other(2 contracts, 2 carriers) | AFLAC | 597 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.