| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS3 Filed as: INSURORS OF TEXAS GENERAL AGEN | P.O. BOX 268 WACO, TX 76702 | BLUECROSS BLUESHIELD OF TEXAS | $40K | $927 | $41K | 3.66% |
| INSURORS OF TEXAS3 Filed as: INSURORS OF TEXAS GENERAL AGEN | 225 SOUTH 5TH STREET WACO, TX 76701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 11.56% |
| SCHROEDER SERVICES GROUP LLC3 | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $3K | $266 | $3K | 9.45% |
| INSURORS OF TEXAS GENERAL AGCY LTD3 Filed as: INSURORS OF TEXAS GENERAL AGCY INC | 225 2 5TH STREET WACO, TX 76701 | AFLAC | $574 | — | $574 | 1.58% |
| JAMES A COX3 | 4133 WESTCHESTER DRIVE WACO, TX 76710 | AFLAC | $503 | — | $503 | 1.38% |
| RENE ARRIAGA3 | 509 SANDPIPER LANE LAREDO, TX 78045 | AFLAC | $317 | $51 | $368 | 1.01% |
| JOHN C RAUP3 | 7215 BOSQUE BLVD PMB 106 WACO, TX 76710 | AFLAC | $272 | — | $272 | 0.75% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DRIVE SUITE 103 WACO, TX 76712 | AFLAC | $185 | — | $185 | 0.51% |
| ISLEA BERENICE ARRIAGA3 | 320 W CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $32 | — | $32 | 0.09% |
| GUSTAVO ARRIAGA II3 | 320 W CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $33 | — | $33 | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M DOWNES | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | AFLAC | $27 | — | $27 | — |
| BRITTANY A TALLENT3 | 9329 WOOD DUCK DRIVE FORT WORTH, TX 76118 | AFLAC | $26 | — | $26 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2409 FOREST PARK BLVD FL 2 FORT WORTH, TX 76110 | AFLAC | $22 | — | $22 | — |
| DAVID R FISHER3 | PO BOX 772113 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $15 | — | $15 | — |
| KATHY M RAWLS3 | 143 STONEWICK DRIVE CRESSON, TX 76035 | AFLAC | $10 | — | $10 | — |
| VERNON P HERRERA3 | 120 VALLE SERENO SANTA FE, NM 87506 | AFLAC | $9 | — | $9 | — |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: MP INNOVATIVE SOLUTIONS INC | 208 HEWITT DR STE 103-337 WACO, TX 78712 | AFLAC | $334 | — | $334 | — |
| GARY WAYNE WILLINGHAM3 Filed as: GARY WAYNE WILLIMGHAM | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $6 | — | $6 | — |
| DARRIN GLENN SPRADLEY3 | 17431 TAMARON DRIVE DALLAS, TX 75287 | AFLAC | $4 | — | $4 | — |
| DANIEL J TAYLOR3 | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | — |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 144 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $172K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $172K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $172K |
| Short-term disability(2 contracts) | AFLAC | 28 | $36K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $172K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.