| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARDVINDHUMAR SHAH3 | 1900 KINGS ISLE DRIVE PLANO, TX 750932424 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.81% |
| AUBREY MICHELE PETTY3 | P.O. BOX 853 CHICO, TX 76431 | AFLAC | $1K | $55 | $1K | 5.14% |
| CHERIE E BLOODWORTH3 Filed as: CHERIE E. BLOODWORTH | 3405 WATERVIEW TRAIL ROCKWALL, TX 75087 | AFLAC | $365 | — | $365 | 1.61% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT. PLANO, TX 75093 | AFLAC | $241 | — | $241 | 1.06% |
| SOMMER NORRIS RIEHN3 | 262 E FM 552 ROCKWALL, TX 75087 | AFLAC | $191 | $11 | $202 | 0.89% |
| KRISTY MARIE COLLINS3 | 753 CATALPA ROAD SAGINAW, TX 76131 | AFLAC | $191 | — | $191 | 0.84% |
| EMILY ANNE HEITMAN3 | 3511 SERENE DRIVE MIDLOTHIAN, TX 76065 | AFLAC | $135 | — | $135 | 0.59% |
| ROBERT SHEPARD COOPER3 | P.O. BOX 609 SANGER, TX 76266 | AFLAC | $75 | $11 | $86 | 0.38% |
| PATRICIA R ALDAPE3 Filed as: PATRICIA R. ALDAPE | P.O. BOX 181515 ARLINGTON, TX 76096 | AFLAC | $70 | — | $70 | 0.31% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRAIL ROCKWALL, TX 75087 | AFLAC | $47 | — | $47 | 0.21% |
| CHRISTOPHER CHASE RIEHN3 | 262 E FM 552 ROCKWALL, TX 75087 | AFLAC | $38 | — | $38 | 0.17% |
| SCOTT WEBB3 | 12366 W. MILTON DRIVE PEORIA, AZ 85383 | AFLAC | $31 | — | $31 | 0.14% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT PERRY EVANS, JR. | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $28 | — | $28 | 0.12% |
| GARY C KLEIN3 Filed as: GARY C. KLEIN | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | AFLAC | $19 | — | $19 | 0.08% |
| TAMI J. MEADOWS3 | 14065 ZIPPO WAY HASLET, TX 76052 | AFLAC | $12 | — | $12 | 0.05% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NW SUITE G HUNTSVILLE, AL 35805 | AFLAC | $9 | — | $9 | 0.04% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY EDWARD MCCREARY, JR. | 273 BELLWOOD DRIVE GARLAND, TX 75040 | AFLAC | $4 | — | $4 | 0.02% |
| STACI M. BURGDORF3 | 1112 SPRINGHILL DRIVE SAGINAW, TX 76179 | AFLAC | $3 | — | $3 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BOULEVARD SW HUNTSVILE, AL 35824 | AFLAC | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $198K |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $73K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $73K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $73K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 91 | $401K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.