| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF TEXAS | $81K | — | $81K | 4.49% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $6K | $39K | 14.93% |
| PATRICIA DAVIS3 | 3337 WIMBLEDON DRIVE CIBOLO, TX 78108 | AFLAC | $4K | $42 | $5K | 8.16% |
| TRISTAN GAINES3 | 2545 ESPENCHIED NEW BRAUNFELS, TX 78132 | AFLAC | $3K | $702 | $4K | 6.81% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | AFLAC | $3K | — | $3K | 5.78% |
| WITTING & MILLER INC3 | 400 WEST SAN ANTONIO STREET NEW BRAUNFELS, TX 78130 | AFLAC | $1K | — | $1K | 2.37% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $1K | $10 | $1K | 2.15% |
| AUSTIN V MILAM3 | 1767 JASONS NORTH COURT NEW BRAUNFELS, TX 78130 | AFLAC | $939 | $91 | $1K | 1.86% |
| LOUIS MARTORELLI III3 | 7637 FM 3009 UNIT 505 SCHERTZ, TX 78154 | AFLAC | $296 | $7 | $303 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $152 | — | $152 | 0.27% |
| BRENNAN BENNETT3 | 2652 C R 319 LA VERNIA, TX 78121 | AFLAC | $85 | $18 | $103 | 0.19% |
| CHRISTIAN M KRUEGER3 | 2633 FAIRWOOD DRIVE NEW BRAUNFELS, TX 78132 | AFLAC | $77 | — | $77 | 0.14% |
| LOUIS MARTORELLI III3 | 5014 WINKLER TERRACE SCHERTZ, TX 78154 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 900 KANSAS CITY, MO 64131 | METLIFE LEGAL PLANS, INC. | $1K | — | $1K | 10.97% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 370 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $262K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $276K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $276K |
| Short-term disability | AFLAC | 75 | $55K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $262K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.