| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | — | BLUECROSS BLUESHIELD OF TEXAS | $51K | $1K | $53K | 3.05% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.28% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET FLOOR 4 SUITE 150 HOUSTON, TX 77098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET FLOOR 4 SUITE 150 HOUSTON, TX 77098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MICHAEL J THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $2K | $61 | $2K | 8.43% |
| CHRISTOPHER KELLY3 | 2040 NORTH LOOP W SUITE 12 HOUSTON, TX 77018 | AFLAC | $213 | $14 | $227 | 1.10% |
| JANET R THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77363 | AFLAC | $169 | — | $169 | 0.82% |
| AISSAM IDRISSI3 Filed as: AISSAM DRISSI | 5414 TIMBERS QUAIL DRIVE HUMBLE, TX 77346 | AFLAC | $143 | — | $143 | 0.69% |
| CHRISTOPHER AARON CONLEY3 | 23106 LODGEPOINT DRIVE KATY, TX 77494 | AFLAC | $141 | — | $141 | 0.68% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 S SEALY, TX 77474 | AFLAC | $134 | — | $134 | 0.65% |
| JEFFREY D FINN3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $111 | — | $111 | 0.54% |
| LAURA LEIGH STURM3 Filed as: LAURA L STORM | 4913 HIGHWAY 36 S SEALY, TX 77474 | AFLAC | $84 | — | $84 | 0.41% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $83 | — | $83 | 0.40% |
| GENA L HOPP3 | 3418 HACKBERRY COURT SPRING, TX 77388 | AFLAC | $45 | — | $45 | 0.22% |
| GENESSA R GERBER3 | 10202 LAND RIVER LANE CYPRESS, TX 77433 | AFLAC | $34 | — | $34 | 0.16% |
| EARLY L BOWEN3 | 16727 CREEKVIEW LANE CYPRESS, TX 77429 | AFLAC | $32 | — | $32 | 0.15% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TN 77450 | AFLAC | $25 | — | $25 | 0.12% |
| MARY C HALQUIST3 | 32231 RIVER PARK DRIVE MAGNOLIA, TX 77355 | AFLAC | $19 | — | $19 | 0.09% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $18 | — | $18 | 0.09% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $18 | — | $18 | 0.09% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE (GENE) DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $9 | — | $9 | 0.04% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $6 | — | $6 | 0.03% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $6 | — | $6 | 0.03% |
| PRENTISS ATKINS CASTLE JR3 | 7293 DABADIE ROAD VENTRESE, LA 70783 | AFLAC | $6 | — | $6 | 0.03% |
| JEFF MUSGROVE3 | 31300 STONEBRIDGE PARKWAY WALLER, TX 77484 | AFLAC | $5 | — | $5 | 0.02% |
| TODD A STULL3 | 3000 EAST DIVISION STREET SUITE A SPRINFIELD, MO 65802 | AFLAC | $5 | — | $5 | 0.02% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $4 | — | $4 | 0.02% |
| CHERISE M WADE3 | 616 HARDEMAN STREET SEALY, TX 77474 | AFLAC | $3 | — | $3 | 0.01% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRAIL RICHMOND, TX 77406 | AFLAC | $2 | — | $2 | 0.01% |
| DIRK BLANDENSHIP3 | PO BOX 969 HUFFMAN, TX 77396 | AFLAC | $1 | — | $1 | 0.00% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $1 | — | $1 | 0.00% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 26729 NORTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $1 | — | $1 | 0.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET FLOOR 4 SUITE 150 HOUSTON, TX 77098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 178 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $104K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $104K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $43K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.