| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $14K | $0 | $14K | 0.58% |
| MARY H MUNOZ PHILIPS Filed as: MARY H. MUNOZ PHILIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | AFLAC | $1K | $0 | $1K | 5.02% |
| JANET S. RENO3 | 14922 DOGWOOD VIEW LANE CYPRESS, TX 77429 | AFLAC | $650 | $0 | $650 | 3.01% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $462 | $0 | $462 | 2.14% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $270 | $0 | $270 | 1.25% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS. AGENCY LLC | 27251 WESLEY CHAPEL BOULEVARD SUITE B14 #753 WESLEY CHAPEL, FL 33544 | AFLAC | $93 | $0 | $93 | 0.43% |
| MARTY JOE TURNER3 | 209 WATERFORD DRIVE CATAULA, GA 31804 | AFLAC | $46 | $0 | $46 | 0.21% |
| MJ INSURANCE3 Filed as: RONALD JONES AND VARIOUS AGENTS | 2523 CREEK DRIVE GRANBURY, TX 76048 | AFLAC | $38 | $0 | $38 | 0.18% |
| VERNA HEATH4 Filed as: VERNA HEALTH | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $1K | $0 | $1K | 9.34% |
| ALICIA CANNON4 | 16311 PINON VISTA DRIVE HOUSTON, TX 77095 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $60 | $0 | $60 | 0.43% |
| AMBER L. HAWTHORNE4 | 1205 SEMINOLE DRIVE RICHARDSON, TX 75080 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $29 | $0 | $29 | 0.21% |
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 | 144 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 434 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 434 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 280 | $256K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 280 | $256K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 280 | $256K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 280 | $256K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 434 | $2.3M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 280 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.