| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | $2K | $54K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 13.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 5.49% |
| MJ INSURANCE3 Filed as: GERALD D. KNOTT AND VARIOUS AGENTS | 2113 TRIMBLE ROAD EDGEWOOD, MD 21040 | AFLAC | $4K | $29 | $4K | 12.64% |
| MICHAEL H MACADAMS3 Filed as: MICHAEL H. MACADAMS | 12770 COIT ROAD, SUITE 1226 DALLAS, TX 75251 | AFLAC | $2K | — | $2K | 6.28% |
| JONI AKALA BILLINGS3 | 23779 LA POSTA COURT CORONA, CA 92883 | AFLAC | $2K | — | $2K | 5.64% |
| PATRICIA DOXZEN3 Filed as: PATRICIA L. DOXZEN | 11504 SAINT DAVIDS LANE LUTHERVILLE, MD 21093 | AFLAC | $2K | — | $2K | 5.07% |
| ELLEN M CRAWFORD3 Filed as: ELLEN M. CRAWFORD | PO BOX 42155 TOWSON, MD 21284 | AFLAC | $2K | — | $2K | 4.43% |
| KATHERINE A OWEN3 Filed as: KATHERINE A. OWEN | 1924 ANTWERP AVENUE PLANO, TX 75025 | AFLAC | $1K | — | $1K | 3.77% |
| WILLIAM H BORLAND6 Filed as: WILLIAM M. ETHERIDGE | 312 SCHILLINGER ROAD SOUTH, SUITE T-146 MOBILE, AL 36608 | AFLAC | $1K | — | $1K | 3.49% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 221 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $119K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $119K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 221 | $1.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.