| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS3 | P.O. BOX 2683 WACO, TX 767022683 | BLUECROSS BLUESHIELD OF TEXAS | $36K | $1K | $37K | 4.56% |
| INSURORS OF TEXAS3 | 225 SOUTH 5TH STREET WACO, TX 76701 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $15K | $375 | $15K | 10.51% |
| OPES ONE ADVISORS LLC3 | — | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 0.05% |
| ERIK G LILJENWALL3 | — | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.02% |
| INSURORS OF TEXAS GENERAL AGCY LTD3 Filed as: INSURORS OF TEXAS GENERAL AGCY INC | 225 S 5TH STREET WACO, TX 76701 | AFLAC | $2K | — | $2K | 5.25% |
| SCHROEDER SERVICES GROUP LLC3 | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $2K | $48 | $2K | 4.73% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DRIVE SUITE 103 WACO, TX 76712 | AFLAC | $826 | $11 | $837 | 2.34% |
| JAMES DOWNES3 Filed as: JAMES COX | 1607 MCLENNAN CROSSING ROAD WACO, TX 76712 | AFLAC | $773 | — | $773 | 2.17% |
| ISELA BERENICE ARRIAGA3 Filed as: ISELA ARRIAGA | 350 WESTPARK WAY SUITE 202 EULESS, TX 76040 | AFLAC | $599 | — | $599 | 1.68% |
| JOHN C RAUP3 | 7215 BOSQUE BLVD SUITE 106 WACO, TX 76710 | AFLAC | $442 | $11 | $453 | 1.27% |
| JAMEY H JAYNES3 | 599 PEEVEY LANE ROBINSON, TX 76706 | AFLAC | $12 | — | $12 | 0.03% |
| GUSTAVO ARRIAGA II3 | 320 W. CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $387 | — | $387 | — |
| JAMES DOWNES0 | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | AFLAC | $16 | — | $16 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE | 2409 FOREST PARK BLVD FL 2 FORT WORTH, TX 76110 | AFLAC | $9 | — | $9 | — |
| DAVID R FISHER3 Filed as: DAVID FISHER | PO BOX 772113 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $6 | — | $6 | — |
| GREGORY HILEWITZ3 | 2102 BELFREY LANE WALHALLA, SC 29691 | AFLAC | $5 | — | $5 | — |
| KATHY M RAWLS3 Filed as: KATHY RAWLS | PO BOX 604 EMORY, TX 75440 | AFLAC | $4 | — | $4 | — |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | PO BOX 310 SANTE FE, NM 87504 | AFLAC | $4 | — | $4 | — |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $2 | — | $2 | — |
| DARRIN GLENN SPRADLEY3 Filed as: DARRIN SPRADLEY | 17431 TAMARON DRIVE DALLAS, TX 75287 | AFLAC | $2 | — | $2 | — |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 153 | $837K |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 106 | $145K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 106 | $145K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 106 | $145K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 106 | $180K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 106 | $145K |
| Other(3 contracts) | AFLAC | 32 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.