| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TEXAS | $236K | — | $236K | 4.74% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGNCY LTD | PO BOX 10587 COLLEGE STATION, TX 77842 | BLUECROSS BLUESHIELD OF TEXAS | — | $4K | $4K | 0.08% |
| 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 | $29 | $770 | $799 | 0.02% |
| TCOR INSURANCE AGENCY LTD3 Filed as: TCOR INSURANCE AGENCY LTD. | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $44K | $11K | $55K | 17.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE-SUITE 400S DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.05% |
| BRANNON BROOKE3 Filed as: BRANNON BROOK | 1421 HANZ DRIVE NEWBRAUNFELS, TX 78130 | AFLAC | $10K | — | $10K | 6.07% |
| VICTORIA ANNE BEENE3 Filed as: VICTORIA BEENE | 427 WEST 17TH STREET-APT 4 HOUSTON, TX 77008 | AFLAC | $8K | $335 | $8K | 4.97% |
| LISA N. BATES3 Filed as: LISA BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $8K | $355 | $8K | 4.67% |
| CHRISTOPHER KELLY3 | 1704 ASHLAND STREET HOUSTON, TX 77008 | AFLAC | $4K | $163 | $4K | 2.21% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | AFLAC | $3K | $71 | $3K | 1.97% |
| ERIK PAUL RATCLIFF3 Filed as: ERIK RATCLIFF | 110 STEPHENS LANE LUMBERTON, TX 77657 | AFLAC | $2K | — | $2K | 1.46% |
| HENRY J ROTH3 Filed as: HENRY ROTH | 1004 WHISPERING WIND WAY HENDERSONVILLE, TN 37075 | AFLAC | $906 | — | $906 | 0.53% |
| NOEL EUGENE BEENE3 Filed as: NOEL BEENE | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $615 | — | $615 | 0.36% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $561 | — | $561 | 0.33% |
| KAREN J MCDONALD3 Filed as: KAREN MCDONALD | PO BOX 8105 LUMBERTON, TX 77657 | AFLAC | $461 | — | $461 | 0.27% |
| HAYWARD ALEXANDER3 | 66 N FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AFLAC | $425 | — | $425 | 0.25% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER - APT 107 OVERLAND PARK, KS 66213 | AFLAC | $348 | — | $348 | 0.20% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $255 | — | $255 | 0.15% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD., SUITE 105 KATY, TX 77450 | AFLAC | $218 | — | $218 | 0.13% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON II | 343 SABAL SPRINGS COURT DEBARY, FL 32713 | AFLAC | $186 | — | $186 | 0.11% |
| ZANE ALLMAN3 | 10210 BLACK FOREST COURT CONROE, TX 77385 | AFLAC | $143 | — | $143 | 0.08% |
| ALLISON M PALACIOS3 Filed as: ALLISON PALACIOS | 15319 HICKORY DALE STREET CYPRESS, TX 77429 | AFLAC | $143 | — | $143 | 0.08% |
| SHALOME M. STINE3 Filed as: SHALOME STINE | 17623 WINDY POINT DRIVE SPRING, TX 77379 | AFLAC | $126 | — | $126 | 0.07% |
| MANUEL RONQUILLO3 | 2720 ROGER AVE. ODESSA, TX 79762 | AFLAC | $124 | — | $124 | 0.07% |
| BRADY BEENE3 | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $89 | — | $89 | 0.05% |
| JARED E DAY3 Filed as: JARED DAY | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $86 | — | $86 | 0.05% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $72 | — | $72 | 0.04% |
| PRENTISS ATKINS CASTLE JR3 Filed as: PRENTISS CASTLE JR. | 7293 DABADIE ROAD VENTRESS, LA 70783 | AFLAC | $71 | — | $71 | 0.04% |
| DOUG MOSLEY INC3 Filed as: DOUG MOSELY INC. | 4803 PLAZA BLVD., SUITE 702 ODESSA, TX 79762 | AFLAC | $60 | — | $60 | 0.04% |
| ANA J KELLY3 Filed as: ANA KELLY | 1704 ASHLAND STREET HOUSTON, TX 77008 | AFLAC | $58 | — | $58 | 0.03% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $46 | — | $46 | 0.03% |
| RICHARD JONES JR3 Filed as: RICHARD JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $31 | — | $31 | 0.02% |
| SANDRA K RONQUILLO3 Filed as: SANDRA RONQUILLO | 855 CENTRAL DRIVE-SUITE 30 ODESSA, TX 79761 | AFLAC | $22 | — | $22 | 0.01% |
| BLESSED MOSLEY INC3 Filed as: BLESSED MOSLEY INC. | 4803 PLAZA BLVD., SUITE 702 ODESSA, TX 79762 | AFLAC | $21 | — | $21 | 0.01% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE S - STE 510 HOUSTON, TX 77070 | AFLAC | $20 | — | $20 | 0.01% |
| MAEDE C MILLER3 Filed as: MAEDE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $19 | — | $19 | 0.01% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $18 | — | $18 | 0.01% |
| BRENT FORD3 | 40 NE LOOP 410 - SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $16 | — | $16 | 0.01% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORP AGENCY | PO BOX 420390 HOUSTON, TX 77242 | AFLAC | $13 | — | $13 | 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 | 86 COUNTY ROAD 303 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% |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,275 | $5.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,275 | $5.0M |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $311K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $311K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $481K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $311K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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.