| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TEXAS | $266K | — | $266K | 4.60% |
| 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 | — | $1K | $1K | 0.02% |
| TCOR INSURANCE AGENCY LTD3 Filed as: TCOR INSURANCE AGENCY LTD. | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN LIFE INSURANCE COMPANY | $68K | $8K | $76K | 15.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE-SUITE 400S DALLAS, TX 75251 | DEARBORN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.91% |
| BRANNON BROOKE3 Filed as: BRANNON HALE BROOK | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | AFLAC | $16K | — | $16K | 7.06% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $16K | $789 | $16K | 7.05% |
| VICTORIA ANNE BEENE3 | 427 WEST 17TH STREET-APT 4 HOUSTON, TX 77008 | AFLAC | $13K | $800 | $13K | 5.77% |
| CHRISTOPHER T KELLY3 Filed as: CHRISTOPHER T. KELLY | 2040 NORTH LOOP W- SUITE 12 HOUSTON, TX 77018 | AFLAC | $6K | $307 | $6K | 2.78% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL J. ANDERS | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | AFLAC | $4K | $156 | $5K | 1.93% |
| VICTORIA ANNE BEENE3 | 401 E. 28TH STREET HOUSTON, TX 77008 | AFLAC | $3K | — | $3K | 1.33% |
| SHALOME M. STINE3 Filed as: SHALOME STINE | 17623 WINDY POINT DRIVE SPRING, TX 77379 | AFLAC | $3K | $34 | $3K | 1.12% |
| MICHAEL ANDERS LLC3 | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | AFLAC | $2K | $6 | $2K | 0.70% |
| HENRY J ROTH3 Filed as: HENRY J. ROTH | 247 W MAIN STREET-SUITE O HENDERSONVILLE, TN 37075 | AFLAC | $788 | — | $788 | 0.34% |
| ERIK PAUL RATCLIFF3 | 110 STEPHENS LANE LUMBERTON, TX 77657 | AFLAC | $384 | $195 | $579 | 0.25% |
| NOEL EUGENE BEENE3 | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $457 | — | $457 | 0.20% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $394 | — | $394 | 0.17% |
| HAYWARD ALEXANDER3 | 66 N FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AFLAC | $320 | — | $320 | 0.14% |
| JON R OVERACRE3 Filed as: JON R. OVERACRE | 10502 W 133RD TER - APT 107 OVERLAND PARK, KS 66213 | AFLAC | $308 | — | $308 | 0.13% |
| SALVADOR DALI SANCHEZ3 | 5330 MEADOWGATE DRIVE CORPUS CHRISTI, TX 78413 | AFLAC | $248 | — | $248 | 0.11% |
| DARON H PHILLIPS3 Filed as: DARON H. PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $190 | — | $190 | 0.08% |
| JOHN PAUL THOMPSON II3 | 343 SABAL SPRINGS COURT DEBARY, FL 32713 | AFLAC | $143 | — | $143 | 0.06% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD., SUITE 105 KATY, TX 77450 | AFLAC | $138 | — | $138 | 0.06% |
| ERIN RADA3 Filed as: ERIN K. RADA | 7911 KLEINGREEN LANE SPRING, TX 77379 | AFLAC | $118 | — | $118 | 0.05% |
| KAREN J MCDONALD3 Filed as: KAREN MCDONALD | PO BOX 8105 LUMBERTON, TX 77657 | AFLAC | $81 | $32 | $113 | 0.05% |
| JARED E DAY3 Filed as: JARED E. DAY | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $67 | — | $67 | 0.03% |
| PRENTISS ATKINS CASTLE JR3 Filed as: PRENTISS ATKINS CASTLE JR. | 7293 DABADIE ROAD VENTRESS, LA 70783 | AFLAC | $52 | — | $52 | 0.02% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $49 | — | $49 | 0.02% |
| JULIO R HERNANDEZ3 | 307 W DAKOTA AVE MIDLAND, TX 79701 | AFLAC | $34 | $14 | $48 | 0.02% |
| BRADY BEENE3 | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $28 | $19 | $47 | 0.02% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD-SUITE 105 KATY, TX 77450 | AFLAC | $37 | — | $37 | 0.02% |
| ZANE ALLMAN3 | 10210 BLACK FOREST COURT CONROE, TX 77385 | AFLAC | $16 | $18 | $34 | 0.01% |
| ALLISON M PALACIOS3 Filed as: ALLISON M. PALACIOS | 15319 HICKORY DALE STREET CYPRESS, TX 77429 | AFLAC | $16 | $18 | $34 | 0.01% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $33 | — | $33 | 0.01% |
| DONAVAN W MASSEY3 | 14901 WINDWARD DR.-APT 304 CORPUS CHRISTI, TX 78418 | AFLAC | $32 | — | $32 | 0.01% |
| RICHARD JONES JR3 Filed as: RICHARD JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $31 | — | $31 | 0.01% |
| TODD A STULL3 | 810 S. MASON ROAD-STE 102 KATY, TX 77450 | AFLAC | $17 | — | $17 | 0.01% |
| LASHANDA KELLIE WITHROW3 | 911 N. MIDKIFF ROAD MIDLAND, TX 79701 | AFLAC | $14 | $3 | $17 | 0.01% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 - SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $16 | — | $16 | 0.01% |
| ANA J KELLY3 Filed as: ANA KELLY | 2040 NORTH LOOP W-STE 12 HOUSTON, TX 77018 | AFLAC | $10 | $4 | $14 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $13 | — | $13 | 0.01% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $12 | — | $12 | 0.01% |
| AMANDA MCCANN POTTER3 | 911 N. MIDKIFF ROAD MIDLAND, TX 79705 | AFLAC | $7 | $3 | $10 | 0.00% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORP AGENCY | PO BOX 420390 HOUSTON, TX 77242 | AFLAC | $9 | — | $9 | 0.00% |
| JULIO R HERNANDEZ3 Filed as: JULIO R. HERNANDEZ | 4249 SIESTA LANE MIDLAND, TX 79705 | AFLAC | $6 | — | $6 | 0.00% |
| GREGORY J WEEKS3 Filed as: GREGORY J. 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% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT 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 | 1,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,373 | $6.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,373 | $5.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,238 | $489K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,238 | $489K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,238 | $723K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,238 | $489K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,238 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,373 | — |
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.