| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF TEXAS | $163K | — | $163K | 4.12% |
| INSURORS OF TEXAS GENERAL AGENCY, L3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $7K | $7K | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $35K | — | $35K | 11.60% |
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DEARBORN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | AFLAC | $2K | — | $2K | 2.47% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $2K | $7 | $2K | 1.81% |
| VICTORIA ANNE BEENE3 | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | AFLAC | $2K | $7 | $2K | 1.79% |
| HENRY J ROTH3 | 297 NEW SHACKLE ISLAND ROAD HENDERSONVILLE, TN 37075 | AFLAC | $796 | — | $796 | 0.93% |
| MICHAEL ANDERS LLC3 | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | AFLAC | $735 | — | $735 | 0.86% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP WEST SUITE 12 HOUSTON, TX 77018 | AFLAC | $626 | $1 | $627 | 0.73% |
| JON R OVERACRE3 | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | AFLAC | $312 | — | $312 | 0.36% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $246 | — | $246 | 0.29% |
| ERIN RADA3 Filed as: ERIN K RADA | 173 RAINBOW DRIVE # 7300 LIVINGSTON, TX 77399 | AFLAC | $225 | $1 | $226 | 0.26% |
| NOEL EUGENE BEENE3 | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | AFLAC | $216 | — | $216 | 0.25% |
| SHALOME M. STINE3 Filed as: SHALOME M STINE | 17623 WINDY POINT DRIVE SPRING, TX 77379 | AFLAC | $201 | $1 | $202 | 0.24% |
| HAYWARD ALEXANDER3 | 66 NORTH FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AFLAC | $181 | — | $181 | 0.21% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $119 | — | $119 | 0.14% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $118 | — | $118 | 0.14% |
| JOHN PAUL THOMPSON II3 | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $74 | — | $74 | 0.09% |
| ERIK PAUL RATCLIFF3 | 110 STEPHENS LANE LUMBERTON, TX 77657 | AFLAC | $37 | — | $37 | 0.04% |
| JARED E DAY3 | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $35 | — | $35 | 0.04% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $31 | — | $31 | 0.04% |
| PRENTISS ATKINS CASTLE JR3 | 7293 DABADIE ROAD VENTRESS, LA 70783 | AFLAC | $28 | — | $28 | 0.03% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $24 | — | $24 | 0.03% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | AFLAC | $20 | $1 | $21 | 0.02% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $19 | — | $19 | 0.02% |
| CHERISE M WADE3 | 616 HARDEMAN STREET SEALY, TX 77474 | AFLAC | $17 | — | $17 | 0.02% |
| TODD A STULL3 | 810 SOUTH MASON ROAD SUITE 102 KATY, TX 77450 | AFLAC | $17 | — | $17 | 0.02% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $16 | — | $16 | 0.02% |
| KAREN J MCDONALD3 | PO BOX 8105 LUMBERTON, TX 77657 | AFLAC | $8 | — | $8 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $6 | — | $6 | 0.01% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $5 | — | $5 | 0.01% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PLACE SAN ANTONIO, TX 78209 | 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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,016 | $3.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,016 | $3.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 302 | $302K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 302 | $302K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 302 | $388K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 302 | $302K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 302 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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.