| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 250 DALLAS, TX 75240 | BLUE CROSS BLUE SHIELD OF TEXAS | $57K | $2K | $58K | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $838 | $15K | 11.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $768 | $5K | 3.62% |
| MJ INSURANCE3 Filed as: DANIEL HARRIS AND VARIOUS AGENTS | 900 OAKSIDE LANE PITTSBURGH, PA 15229 | AFLAC | $18K | $884 | $19K | 19.38% |
| MICHAEL H MACADAMS3 Filed as: MICHAEL H. MACADAMS | 12770 COIT ROAD, SUITE 1226 DALLAS, TX 75251 | AFLAC | $7K | — | $7K | 7.04% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3K | — | $3K | 3.15% |
| KATHERINE A OWEN3 Filed as: KATHERINE OWEN | 1924 ANTWERP AVENUE PLANO, TX 75025 | AFLAC | $2K | $174 | $2K | 2.51% |
| WILLIAM H BORLAND3 Filed as: WILLIAM ETHERIDGE | 312 SCHILLINGER ROAD SOUTH SUITE T146 MOBILE, AL 36608 | AFLAC | $2K | $247 | $2K | 1.99% |
| BARTON W IRBY3 Filed as: BARTON IRBY | 1762 BRISTOL FARMS COURT GRAYSON, GA 30017 | AFLAC | $2K | — | $2K | 1.62% |
| JONI AKALA BILLINGS3 Filed as: JONI BILLINGS | 23779 LA POSTA COURT CORONA, CA 92883 | AFLAC | $1K | $191 | $1K | 1.41% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 230 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $131K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $131K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $131K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 230 | $1.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.