| 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 | $1K | $58K | 4.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 0.14% |
| MICHAEL H MACADAMS3 Filed as: MICHAEL MACADAMS | 12770 COIT RD. SUITE 1226 DALLAS, TX 75251 | AFLAC | $6K | $0 | $6K | 5.71% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR. SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $4K | $580 | $4K | 4.23% |
| BARTON W IRBY3 Filed as: BARTON IRBY | 1762 BRISTOL FARMS CT. GRAYSON, GA 30017 | AFLAC | $3K | $590 | $3K | 3.41% |
| DANIEL C HARRIS3 Filed as: DANIEL HARRIS | 124 CARTERS GROVE DR. GIBSONIA, PA 15044 | AFLAC | $1K | $174 | $1K | 1.30% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $1K | $222 | $1K | 1.29% |
| HOLLIE WETHERINGTON3 | 916 HAWTHORNE DR. ALLEN, TX 75002 | AFLAC | $1K | $0 | $1K | 1.22% |
| ALICIA CLIFTON3 | 3915 HUNTINGTON RIDGE DR. SW LILBURN, GA 30047 | AFLAC | $1K | $131 | $1K | 1.15% |
| DEREK P SMITH3 Filed as: DEREK SMITH | 801 PANORAMA DR. DRIPPING SPRINGS, TX 78620 | AFLAC | $774 | $177 | $951 | 0.95% |
| VICTOR NORDENFLYCHT-DARBY3 Filed as: VICTOR NORDENFLYCHT DARBY | 2459 N. BRIGHTON ST. BURBANK, CA 91504 | AFLAC | $764 | $76 | $840 | 0.84% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW JR. | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $677 | $138 | $815 | 0.81% |
| TERESA L FOUTZ3 Filed as: TERESA FOUTZ | 1877 LEALAND AVE. POLAND, OH 44514 | AFLAC | $786 | $0 | $786 | 0.79% |
| SHUVONN HANCOCK3 | 2404 WARREN ST. AUBREY, TX 76227 | AFLAC | $514 | $200 | $714 | 0.71% |
| HECTOR CABRAL3 | 575 N. SUMMIT AVE. PASADENA, CA 91103 | AFLAC | $528 | $78 | $606 | 0.61% |
| LYNN WARDLAW3 | 187 S. CULVER ST. LAWRENCEVILLE, GA 30046 | AFLAC | $425 | $79 | $504 | 0.50% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER REYNA | 1921 E. HICKORY HILL RD. ARGYLE, TX 76226 | AFLAC | $240 | $180 | $420 | 0.42% |
| PATRICIA C RAMOS3 Filed as: PATRICIA RAMOS | 6610 WILDHAVEN RD. ROWLETT, TX 75089 | AFLAC | $322 | $79 | $401 | 0.40% |
| JAMIE WEBER3 | PO BOX 10882 COSTA MESA, CA 92627 | AFLAC | $298 | $46 | $344 | 0.34% |
| EDUARDO REYNA3 | 1921 E. HICKORY HILL RD. ARGYLE, TX 76226 | AFLAC | $271 | $61 | $332 | 0.33% |
| WILLIAM H BORLAND3 Filed as: WILLIAM ETHERIDGE | 312 SCHILLINGER RD. S STE T #146 MOBILE, AL 36608 | AFLAC | $330 | $0 | $330 | 0.33% |
| KEVIN BAILEY3 | 7105 WIND ROW DR. MCKINNEY, TX 75070 | AFLAC | $319 | $0 | $319 | 0.32% |
| TAMMI LAVOICE COOPER3 Filed as: TAMMI COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $237 | $35 | $272 | 0.27% |
| BRENDAN DEASY3 | 534 W. 7TH AVE HOMESTEAD, PA 15120 | AFLAC | $216 | $33 | $249 | 0.25% |
| WILLIAM COVINGTON3 | 550 S. WATTERS RD. SUITE 103 ALLEN, TX 75013 | AFLAC | $209 | $10 | $219 | 0.22% |
| PATRICIA DOXZEN3 | 11504 SAINT DAVIDS LN. LUTHERVILLE, MD 21093 | AFLAC | $212 | $0 | $212 | 0.21% |
| HARLS W RODGERS3 Filed as: HARLS RODGERS | 561 KIRBY DR. LANTANA, TX 76226 | AFLAC | $126 | $83 | $209 | 0.21% |
| ELLEN M CRAWFORD3 Filed as: ELLEN CRAWFORD | PO BOX 42155 TOWNSON, MD 21284 | AFLAC | $169 | $0 | $169 | 0.17% |
| SANDRA SANCHEZ3 | 3204 N. 23RD ST. SUITE B MCALLEN, TX 78501 | AFLAC | $135 | $12 | $147 | 0.15% |
| AMANDA WORTHEN3 | 2000 MCCONNELL RD. GRAYSON, GA 30017 | AFLAC | $96 | $21 | $117 | 0.12% |
| DALE C. VAN WAGNER3 Filed as: DALE VAN WAGNER | PO BOX 278 CHINO, CA 91708 | AFLAC | $70 | $42 | $112 | 0.11% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 9330 LYNDON B. JOHNSON FWY SUITE 1125 DALLAS, TX 75243 | AFLAC | $62 | $28 | $90 | 0.09% |
| STEPHEN WAYNE WALKER3 Filed as: STEPHEN LANZA JR. | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $86 | $0 | $86 | 0.09% |
| FAY MARTIN3 | 19220 FOREST LN. LYNCHBURG, VA 24502 | AFLAC | $78 | $0 | $78 | 0.08% |
| GERALD D KNOTT SR3 Filed as: GERALD KNOTT, SR. | 2133 TRIMBLE RD. EDGEWOOD, MD 21040 | AFLAC | $73 | $0 | $73 | 0.07% |
| JAMIE LEESMAN3 | 7933 HAMPTON LAKE DRIVE TAMPA, FL 33647 | AFLAC | $72 | $0 | $72 | 0.07% |
| MARIAN E LENCIONI3 Filed as: MARIAN LENCIONI | 1109 W 9TH ST. UPLAND, CA 91786 | AFLAC | $70 | $0 | $70 | 0.07% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT. SECOND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $57 | $0 | $57 | 0.06% |
| STEVEN HUNTER3 | 1317 MAE DR. CARROLLTON, TX 75007 | AFLAC | $31 | $22 | $53 | 0.05% |
| MARVIN FORE3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $52 | $0 | $52 | 0.05% |
| PRISCILLA ALMAGUER3 | 10320 N. 12TH STREET MCALLEN, TX 78504 | AFLAC | $47 | $0 | $47 | 0.05% |
| JEANNINE CAPPUSO3 | 7801 N. FEDERAL HIGHWAY #4202 BOCA RATON, FL 33487 | AFLAC | $42 | $0 | $42 | 0.04% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $42 | $0 | $42 | 0.04% |
| GARY WEGENER3 | 2204 MELANIE LN. PLANO, TX 75023 | AFLAC | $21 | $21 | $42 | 0.04% |
| CAROL ANN KEITH3 Filed as: CAROL KEITH | 2211 N. 23RD ST. MCALLEN, TX 78501 | AFLAC | $30 | $2 | $32 | 0.03% |
| AMANDA BATES3 | 578 HAZELWOOD AVE. PITTSBURGH, PA 15207 | AFLAC | $23 | $8 | $31 | 0.03% |
| AARON D MCGOVERN3 Filed as: AARON MCGOVERN | 1794 AVENDIA REGINA SAN MARCOS, CA 92069 | AFLAC | $23 | $0 | $23 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: FRANCES ROGERS | 147 ROGERS ROAD BOYDTON, VA 23917 | AFLAC | $22 | $0 | $22 | 0.02% |
| DAVID REESOR3 | 2220 E. ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $12 | $8 | $20 | 0.02% |
| MARY MONTIEL3 | 28128 PACIFIC COAST HIGHWAY SPC 225 MALIBU, CA 90265 | AFLAC | $18 | $0 | $18 | 0.02% |
| DALE SHADDOCK3 | 19 CEDARVALE CT. COCKEYSVILLE, MD 21030 | AFLAC | $17 | $0 | $17 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE. APT. 713 BETHESDA, MD 20814 | AFLAC | $17 | $0 | $17 | 0.02% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $14 | $0 | $14 | 0.01% |
| STEVEN B KEMPTON3 Filed as: STEVEN KEMPTON | 4912 DERBYSHIRE DR. MCKINNEY, TX 75070 | AFLAC | $7 | $4 | $11 | 0.01% |
| JOYCE DUNNAVANT3 | 232 JERICO RD. BUCKINHAM, VA 23921 | AFLAC | $10 | $0 | $10 | 0.01% |
| MICHELLE ZARIFOPOULOS3 Filed as: MICHELLE MONTIEL ZARIFOPOULOS | 7895 VIA BELFIORE UNIT 3 SAN DIEGO, CA 92129 | AFLAC | $8 | $0 | $8 | 0.01% |
| KELLY BINKELE3 | 34312 PORT LANTERN DANA POINT, CA 92629 | AFLAC | $7 | $0 | $7 | 0.01% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $6 | $0 | $6 | 0.01% |
| JP TURNER AND COMPANY LLC3 | 3060 PEACHTREE RD. NW FLOOR 11 ATLANTA, GA 30305 | AFLAC | $5 | $0 | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $53 | $4K | 16.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | PRINCIPAL LIFE INSURANCE COMPANY | $831 | — | $831 | 3.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | PRINCIPAL LIFE INSURANCE COMPANY | $328 | — | $328 | 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 | 137 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 239 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $23K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 239 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 115 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.