| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS3 | P.O. BOX 2683 WACO, TX 767022683 | BLUECROSS BLUESHIELD OF TEXAS | $36K | — | $36K | 4.25% |
| INSURORS OF TEXAS3 | 225 SOUTH 5TH STREET WACO, TX 76701 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 11.79% |
| SCHROEDER SERVICES GROUP LLC3 | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $4K | $163 | $4K | 10.92% |
| INSURORS OF TEXAS GENERAL AGENCY IN3 | 225 S 5TH STREET WACO, TX 76712 | AFLAC | $890 | — | $890 | 2.51% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DRIVE SUITE 103 WACO, TX 76712 | AFLAC | $645 | — | $645 | 1.82% |
| JAMES DOWNES3 Filed as: JAMES COX | 4133 WESTCHESTER DRIVE WACO, TX 76712 | AFLAC | $628 | — | $628 | 1.77% |
| GUSTAVO ARRIAGA II3 | 320 W CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $583 | $39 | $622 | 1.75% |
| ISELA BERENICE ARRIAGA3 | 350 WESTPARK WAY STE 202 EULESS, TX 76040 | AFLAC | $435 | $39 | $474 | 1.33% |
| JOHN C RAUP3 | 7215 BOSQUE BLVD. STE 106 WACO, TX 76710 | AFLAC | $338 | — | $338 | 0.95% |
| ISELA BERENICE ARRIAGA3 | 320 W. CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $115 | — | $115 | — |
| JAMES DOWNES0 | 1109 RIDGEVIEW DRIVE HEWITT, TX 76643 | AFLAC | $27 | — | $27 | — |
| BRITTANY A TALLENT3 | 3929 WOOD DUCK DR. FORT WORTH, TX 76118 | AFLAC | $25 | — | $25 | — |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS LTD. | 2409 FOREST PARK BLVD.,FL 2 FT WORTH, TX 76110 | AFLAC | $16 | — | $16 | — |
| DAVID R FISHER3 Filed as: DAVID R. FISHER | PO BOX 772113 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $15 | — | $15 | — |
| KATHY M RAWLS3 Filed as: KATHY RAWLS | PO BOX 604 EMORY, TX 75440 | AFLAC | $10 | — | $10 | — |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | PO BOX 310 SANTE FE, NM 87504 | AFLAC | $9 | — | $9 | — |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $6 | — | $6 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2409 FOREST PARK BLVD., FL 2 FT WORTH, TX 76110 | AFLAC | $5 | — | $5 | — |
| 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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 164 | $888K |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 110 | $137K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 110 | $137K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 110 | $137K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 110 | $173K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 110 | $137K |
| Other(3 contracts) | AFLAC | 31 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.