| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | $7K | $95K | 21.47% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICA INSURANCE COMPANY | $71K | $0 | $71K | 19.11% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD | 2409 FOREST PARK BLVD FORTH WORTH, TX 76110 | CONTINENTAL AMERICA INSURANCE COMPANY | $24K | $0 | $24K | 6.52% |
| MARCO JOE KLIMEK3 Filed as: MARCO J KLIMEK | 1501 LBL FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICA INSURANCE COMPANY | $2K | $0 | $2K | 0.46% |
| DEREK P SMITH3 | 11609 MARION ROAD SANGER, TX 76266 | CONTINENTAL AMERICA INSURANCE COMPANY | $1K | $0 | $1K | 0.38% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICA INSURANCE COMPANY | $906 | $0 | $906 | 0.25% |
| MARY L WILLIAMS3 | 1102 STEVENS ST. BRIDGEPORT, TX 76426 | CONTINENTAL AMERICA INSURANCE COMPANY | $605 | $0 | $605 | 0.16% |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | CONTINENTAL AMERICA INSURANCE COMPANY | $491 | $0 | $491 | 0.13% |
| DONNA D LASKOSKIE3 Filed as: DONNA LEHRMANN | 4515 WILDWOOD CIRCLE GRANBURY, TX 76049 | CONTINENTAL AMERICA INSURANCE COMPANY | $296 | $0 | $296 | 0.08% |
| JOHN M JOHNSON3 | 2150 W NW HWY SUITE 114 GRAPEVINE, TX 76051 | CONTINENTAL AMERICA INSURANCE COMPANY | $236 | $0 | $236 | 0.06% |
| T ALLEN HOWDESHELL3 Filed as: T. ALLEN HOWDESHELL | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | CONTINENTAL AMERICA INSURANCE COMPANY | $132 | $0 | $132 | 0.04% |
| PETER B WILKINSON JR3 Filed as: PETER B WILKINSON, JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | CONTINENTAL AMERICA INSURANCE COMPANY | $36 | $0 | $36 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 7606 UNIVERSITY AVE SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICA INSURANCE COMPANY | $36 | $0 | $36 | 0.01% |
| CECIL RAY PARKER3 | 7606 SOUTH UNIVERSITY SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICA INSURANCE COMPANY | $27 | $0 | $27 | 0.01% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $9K | $57K | 21.28% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 17.83% |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,305 | $452K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $267K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $267K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,195 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.