| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | $105K | $1K | $106K | 5.32% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 10.00% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY LP | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 14.64% |
| MICHAEL J THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $2K | $59 | $3K | 4.85% |
| JANET R THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $1K | — | $1K | 2.67% |
| AISSAM IDRISSI3 | 5414 TIMBERS QUAIL DRIVE HUMBLE, TX 77346 | AFLAC | $942 | $31 | $973 | 1.87% |
| JAMES D THATCHER3 | 15806 HOLLOW ROCK DRIVE HOUSTON, TX 77070 | AFLAC | $398 | — | $398 | 0.77% |
| CHRISTOPHER AARON CONLEY3 | 23106 LODGEPOINT DRIVE KATY, TX 77494 | AFLAC | $395 | — | $395 | 0.76% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $395 | — | $395 | 0.76% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $333 | — | $333 | 0.64% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP WEST SUITE 12 HOUSTON, TX 77018 | AFLAC | $293 | $8 | $301 | 0.58% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $264 | $12 | $276 | 0.53% |
| LAURA LEIGH STURM3 Filed as: LAURA L STURM | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $156 | — | $156 | 0.30% |
| JUSTIN H STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $149 | — | $149 | 0.29% |
| MARY C HALQUIST3 | 32231 RIVER PARK DRIVE MAGNOLIA, TX 77355 | AFLAC | $118 | — | $118 | 0.23% |
| CHRISTOPHER T KELLY3 | 12600 NORTHBOROUGH DRIVE SUITE 210 HOUSTON, TX 77450 | AFLAC | $116 | — | $116 | 0.22% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77460 | AFLAC | $112 | — | $112 | 0.22% |
| EARLY L BOWEN3 | 16727 CREEKVIEW LANE CYPESS, TX 77429 | AFLAC | $70 | — | $70 | 0.13% |
| GENA L HOPP3 | 3418 HACKBERRY COURT SPRING, TX 77388 | AFLAC | $61 | — | $61 | 0.12% |
| GENESSA R GERBER3 | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $42 | — | $42 | 0.08% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $30 | — | $30 | 0.06% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $29 | — | $29 | 0.06% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $24 | — | $24 | 0.05% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $24 | — | $24 | 0.05% |
| PRENTISS ATKINS CASTLE JR3 | 7293 DABADIE ROAD BENTRESS, LA 70783 | AFLAC | $23 | — | $23 | 0.04% |
| TODD A STULL3 | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $19 | — | $19 | 0.04% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 WEST SEALY, TX 77474 | AFLAC | $18 | — | $18 | 0.03% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $15 | — | $15 | 0.03% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DRIVE HOUSTON, TX 77084 | AFLAC | $12 | — | $12 | 0.02% |
| BRANDY L BRANDON3 | 202 FOX SQUIRREL COURT PINEHURST, TX 77362 | AFLAC | $9 | — | $9 | 0.02% |
| GENA L HOPP3 | PO BOX 73769 HOUSTON, TX 77273 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $5 | — | $5 | 0.01% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77348 | AFLAC | $4 | — | $4 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $4 | — | $4 | 0.01% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $3 | — | $3 | 0.01% |
| TIFFANY INGRAM WALKER3 Filed as: TIFFANY I WALKER | 23611 LITCHFIELD BEND LANE KATY, TX 77494 | AFLAC | $3 | — | $3 | 0.01% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $3 | — | $3 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77386 | AFLAC | $3 | — | $3 | 0.01% |
| DIRK BLANKENSHIP3 | PO BOX 969 HUFFMAN, TX 77336 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC J LEGER3 | 10400 ACADEMY ROAD NORTHEAST SUITE 345 ALBURQUERQUE, NM 87111 | AFLAC | $2 | — | $2 | 0.00% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 12366 WEST MILTON DRIVE PEORIA, AZ 85383 | 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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 196 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $112K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 70 | $58K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 70 | $58K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 70 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.