| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY, LP | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 3.26% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | — | $23K | $23K | 1.59% |
| 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 | 5.19% |
| WEALTH DESIGN GROUP, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.09% |
| DEAN E. AUSTIN2 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.83% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 312 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.80% |
| JANET R THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $2K | — | $2K | 4.27% |
| MICHAEL J THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $2K | — | $2K | 3.53% |
| CHRISTOPHER AARON CONLEY3 | 23106 LODGEPOINT DRIVE KATY, TX 77494 | AFLAC | $607 | — | $607 | 1.36% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $510 | — | $510 | 1.14% |
| EARLY L BOWEN3 | 16727 CREEKVIEW LANE CYPRESS, TX 77429 | AFLAC | $433 | — | $433 | 0.97% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $405 | — | $405 | 0.91% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $311 | — | $311 | 0.70% |
| MARY C HALQUIST3 | 32231 RIVER PARK DRIVE MAGNOLIA, TX 77355 | AFLAC | $188 | — | $188 | 0.42% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $187 | — | $187 | 0.42% |
| JUSTIN H STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $186 | — | $186 | 0.42% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $164 | — | $164 | 0.37% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77450 | AFLAC | $112 | — | $112 | 0.25% |
| GENA L HOPP3 | 23118 OXBOW TRAIL SPRING, TX 77373 | AFLAC | $84 | — | $84 | 0.19% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $55 | — | $55 | 0.12% |
| GENESSA R GERBER3 | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $44 | — | $44 | 0.10% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS DRIVE NEW CANEY, TX 77357 | AFLAC | $39 | — | $39 | 0.09% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $33 | — | $33 | 0.07% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E GENE DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $16 | — | $16 | 0.04% |
| BRANDY L BRANDON3 | 10314 CADENA COURT SPRING, TX 77379 | AFLAC | $10 | — | $10 | 0.02% |
| LEO A GILLIES3 | 4008 VISTA ROAD SUITE C101 - C101B PASADENA, TX 77504 | AFLAC | $8 | — | $8 | 0.02% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E GENE DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $5 | — | $5 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 29622 NORTH 21ST DRIVE PHOENIX, AZ 85085 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $4 | — | $4 | 0.01% |
| PRENTISS ATKINS CASTLE JR3 | 25503 PENGUIN STREET MAGNOLIA, TX 77355 | AFLAC | $3 | — | $3 | 0.01% |
| TODD A STULL3 | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $3 | — | $3 | 0.01% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $3 | — | $3 | 0.01% |
| CHERISE M WADE3 | 4003 NORTHEAST 23RD PLACE CAPE CORAL, FL 33909 | AFLAC | $2 | — | $2 | 0.00% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DRIVE HOUSTON, TX 77084 | AFLAC | $2 | — | $2 | 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% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 185 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $79K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $79K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 100 | $72K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 100 | $72K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 100 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.