| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFG & M LP3 Filed as: EFG&M LP | 595 ROUND ROCK WEST DRIVE SUITE 205 ROUND ROCK, TX 78681 | BLUECROSS BLUESHIELD OF TEXAS | $88K | $7K | $95K | 4.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 14.12% |
| EFG & M LP3 Filed as: EFG&M LP | 595 ROUND ROCK WEST DRIVE SUITE 205 ROUND ROCK, TX 78681 | DEARBORN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.81% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $588 | $0 | $588 | 4.04% |
| VANESSA DAVIS3 Filed as: VANESSA ANNE DAVIS | 290 BOLTON CIRCLE WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $483 | $0 | $483 | 3.32% |
| THOMAS W. PARKER3 | 448 OAKBERRY DRIVE HEWITT, TX 76643 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $249 | $0 | $249 | 1.71% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FIN. SVS. & OTHER AGENTS | 1330 LAKE ROBBINS ROAD, SUITE 150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.96% |
| JERRI LYNN COBB3 | 146 TEN WEST DRIVE COMFORT, TX 78013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 0.87% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS. SERVICES INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | $0 | $109 | 0.75% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.54% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 2.20% |
| THOMAS W. PARKER3 | 448 OAKBERRY DRIVE HEWITT, TX 76643 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 1.63% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SERVICES INC. | 1330 LAKE ROBBINS ROAD, SUITE 150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 1.35% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.82% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS. SERVICES INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.74% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 327 | $221K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 327 | $221K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 327 | $221K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 327 | $221K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.0M |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 327 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.