| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $54K | $6K | $60K | 8.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PRESCOTT PAILET BENEFITS 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $13K | 20.38% |
| TIFFANY DAVIS3 | 590 MERIDIAN DR NEW BRAUNFELS, TX 78132 | AFLAC | $615 | $91 | $706 | 3.29% |
| ADRIANE N NEWMAN3 | 1206 VERDE TRAILS DR HOUSTON, TX 77073 | AFLAC | $368 | $0 | $368 | 1.71% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $236 | $0 | $236 | 1.10% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1221 S MO PAC EXPY, STE 250 AUSTIN, TX 78746 | AFLAC | $210 | $0 | $210 | 0.98% |
| CARTER MAY3 Filed as: CARTER A MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $173 | $0 | $173 | 0.81% |
| TONYA LYNNE WYNES3 | 6017 SCENIC LAKE DR GEORGETOWN, TX 78626 | AFLAC | $115 | $27 | $142 | 0.66% |
| PULVER BENEFITS LLC3 | 625 CREEKSIDE WAY, APT 102 NEW BRAUNFELS, TX 78130 | AFLAC | $130 | $0 | $130 | 0.61% |
| GILBERT CAVAZOS3 | 2681 MCCRAE NEW BRAUNFELS, TX 78130 | AFLAC | $121 | $0 | $121 | 0.56% |
| BRADY C PULVER3 | 625 CREEKSIDE WAY, APT102 NEW BRAUNFELS, TX 78130 | AFLAC | $31 | $27 | $58 | 0.27% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $51 | $0 | $51 | 0.24% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $32 | $0 | $32 | 0.15% |
| JAY MICHAEL ANDERSON3 | 25 SURREY CIR IOWA PARK, TX 76367 | AFLAC | $32 | $0 | $32 | 0.15% |
| JAMES MORGAN POWELL3 | 4505 AUTUMNLEAF HOLW AUSTIN, TX 78731 | AFLAC | $29 | $0 | $29 | 0.14% |
| JADE CHAVEZ3 Filed as: JADE E CHAVEZ | 110 N. INTERSTATE 35 STE 315 PMB 125 ROUND ROCK, TX 78681 | AFLAC | $26 | $0 | $26 | 0.12% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $26 | $0 | $26 | 0.12% |
| LAXSON BENEFITS LLC3 | 1380 HAZY HILLS LOOP DRIPPING SPRINGS, TX 78620 | AFLAC | $23 | $0 | $23 | 0.11% |
| JENNIFER R THOM3 | 405 J 58TH AVE YAKIMA, WA 98908 | AFLAC | $22 | $0 | $22 | 0.10% |
| ROSA NIDYA BARNETT3 | 12307 KLONDIKE RUSH PT AUSTIN, TX 78726 | AFLAC | $22 | $0 | $22 | 0.10% |
| BARBARA BAROS3 | 5301 GOSHEN CT DRIPPING SPRINGS, TX 78413 | AFLAC | $12 | $0 | $12 | 0.06% |
| DAWN D STILLWELL3 | 135S SAGE HOLW DRIPPING SPRINGS, TX 78620 | AFLAC | $9 | $0 | $9 | 0.04% |
| MICHAEL WOLFF3 | 500 TRAIL DUST DR CEDAR PARK, TX 78613 | AFLAC | $7 | $0 | $7 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.98% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 135 | $698K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 135 | $698K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 77 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $63K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.