| 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 | $90K | $1K | $91K | 4.85% |
| 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 | 4.96% |
| 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 | — | $2K | 7.36% |
| JANET R THRASHER3 | 19723 DESNA DRIVE PORTER, TX 77365 | AFLAC | $521 | — | $521 | 1.69% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP WEST SUITE 12 HOUSTON, TX 77018 | AFLAC | $304 | — | $304 | 0.99% |
| CHRISTOPHER AARON CONLEY3 | 23106 LODGEPOINT DRIVE KATY, TX 77494 | AFLAC | $213 | — | $213 | 0.69% |
| AISSAM IDRISSI3 | 5414 TIMBERS QUAIL DRIVE HUMBLE, TX 77346 | AFLAC | $190 | — | $190 | 0.62% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $185 | — | $185 | 0.60% |
| LAURA LEIGH STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $156 | — | $156 | 0.51% |
| LAURA LEIGH STURM3 Filed as: LAURA L STURM | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $123 | — | $123 | 0.40% |
| JUSTIN H STURM3 | 4913 HIGHWAY 36 SOUTH SEALY, TX 77474 | AFLAC | $93 | — | $93 | 0.30% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $82 | — | $82 | 0.27% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $47 | — | $47 | 0.15% |
| MARY C HALQUIST3 | 32231 RIVER PARK DRIVE MAGNOLIA, TX 77355 | AFLAC | $46 | — | $46 | 0.15% |
| GENA L HOPP3 | 3418 HACKBERRY COURT SPRING, TX 77388 | AFLAC | $38 | — | $38 | 0.12% |
| GENESSA R GERBER3 | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $29 | — | $29 | 0.09% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $20 | — | $20 | 0.06% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $15 | — | $15 | 0.05% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $15 | — | $15 | 0.05% |
| PRENTISS ATKINS CASTLE JR3 | 7293 DABADIE ROAD VENTRESS, LA 70783 | AFLAC | $13 | — | $13 | 0.04% |
| CHERISE M WADE3 | 616 HARDEMAN STREET SEALY, TX 77474 | AFLAC | $9 | — | $9 | 0.03% |
| TODD A STULL3 | 810 SOUTH MASON ROAD SUITE 102 KATY, TX 77450 | AFLAC | $8 | — | $8 | 0.03% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $8 | — | $8 | 0.03% |
| JEFF MUSGROVE3 | 31300 STONEBRIDGE PARKWAY WALLER, TX 77484 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $5 | — | $5 | 0.02% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $4 | — | $4 | 0.01% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $3 | — | $3 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $3 | — | $3 | 0.01% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $2 | — | $2 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77355 | AFLAC | $2 | — | $2 | 0.01% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRAIL RICHMOND, TX 77406 | AFLAC | $2 | — | $2 | 0.01% |
| DIRK BLANKENSHIP3 | PO BOX 969 HUFFMAN, TX 77336 | 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 | $4K | — | $4K | 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 | $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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 185 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $88K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $88K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $41K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $113K |
| 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."
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.