| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH A WHITTINGTON3 | PO BOX 8132 CORPUS CHRISTI, TX 78468 | AFLAC | $17K | $598 | $17K | 7.34% |
| ARMANDO PEREZ3 | 5622 TANGLEWOOD DR CORPUS CHRISTI, TX 78412 | AFLAC | $10K | $499 | $10K | 4.26% |
| JOE A RODGERS3 | PO BOX 18777 CORPUS CHRISTI, TX 78480 | AFLAC | $4K | $234 | $5K | 1.98% |
| WILLIAM M HURLEY3 | 7125 CHILTON TYLER, TX 75701 | AFLAC | $3K | $186 | $3K | 1.18% |
| DEWAYNE E RICHARDSON3 | 7902 PATO ST CORPUS CHRISTI, TX 78414 | AFLAC | $3K | $72 | $3K | 1.15% |
| ALEXANDER A ARTMAN3 | 15321 YARDARM CT CORPUS CHRISTI, TX 78418 | AFLAC | $2K | $48 | $2K | 1.00% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $1K | — | $1K | 0.54% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $786 | $240 | $1K | 0.43% |
| OSHMAN INS AGY INC3 Filed as: OSHMAN INSURANCE AGENCY INC | 500 N WATER ST STE 900 CORPUS CHRISTI, TX 78401 | AFLAC | $967 | — | $967 | 0.41% |
| KAREN H WHITTINGTON3 | 201 PORTSMOUTH DR CORPUS CHRISTI, TX 78418 | AFLAC | $393 | — | $393 | 0.17% |
| CINIA C MONTOYA3 | 4721 WOOLDRIDGE RD CORPUS CHRISTI, TX 78413 | AFLAC | $365 | — | $365 | 0.15% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $336 | — | $336 | 0.14% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $320 | — | $320 | 0.13% |
| ROBIN E RIOS3 | PO BOX 271641 CORPUS CHRISTI, TX 78427 | AFLAC | $268 | — | $268 | 0.11% |
| LORENZO RIVERA3 | 3237 BRIARHURST ST CORPUS CHRISTI, TX 78414 | AFLAC | $157 | — | $157 | 0.07% |
| THELMA JOYCE RIMBEY3 | PO BOX 1837 INGLESIDE, TX 78362 | AFLAC | $146 | — | $146 | 0.06% |
| DENNIS RAY BAROS3 | 1309 GILLESPIE DR PALM HARBOR, FL 34684 | AFLAC | $116 | — | $116 | 0.05% |
| ROBYN ELAINE DRAKE3 | 5145 CANDLEWOOD DR LEAGUE CITY, TX 77573 | AFLAC | $99 | — | $99 | 0.04% |
| TADESSA A WILLIAMS3 | 1414 W APRIL RAIN CT MISSOURI CITY, TX 77489 | AFLAC | $99 | — | $99 | 0.04% |
| JOSE J RAMIREZ3 | PO BOX 681176 SAN ANTONIO, TX 78268 | AFLAC | $97 | — | $97 | 0.04% |
| AARON WADE BENBOW3 | 3934 AMADAS DR CORPUS CHRISTI, TX 78414 | AFLAC | $96 | — | $96 | 0.04% |
| KAREN MICHELLE NICHOLS3 | 8033 S PADRE ISLAND DR APT 405 CORPUS CHRISTI, TX 78412 | AFLAC | $82 | — | $82 | 0.03% |
| MATTHEW R CRAY3 | 1510 RIVERBEND XING SUGAR LAND, TX 77478 | AFLAC | $75 | — | $75 | 0.03% |
| ROBERT I TUCKER3 | 3222 HARPERS FERRY ST CORPUS CHRISTI, TX 78410 | AFLAC | $67 | — | $67 | 0.03% |
| ARBOR CONSULTING INC3 | 1313 WOODMORE ST LAS VEGAS, NV 89144 | AFLAC | $65 | — | $65 | 0.03% |
| CYNTHIA D REYNA3 | 1005 W B ST MISSION, TX 78572 | AFLAC | $56 | — | $56 | 0.02% |
| KIMBERLY M EVARISTO3 | 15637 THREE FATHOMS BANK DR CORPUS CHRISTI, TX 78418 | AFLAC | $52 | — | $52 | 0.02% |
| DONNA C MAVERICK3 | 10814 WHITE OAK TRACE DR CYPRESS, TX 77429 | AFLAC | $52 | — | $52 | 0.02% |
| J ANTHONY FLORES3 | 117 HIGHLAND PL CIBOLO, TX 78108 | AFLAC | $47 | — | $47 | 0.02% |
| WESTBROOK BENEFITS INC3 | 1313 WOODMORE ST LAS VEGAS, NV 89144 | AFLAC | $39 | — | $39 | 0.02% |
| BRUCE GOULET3 | 5403 EVERHART RD PMB 19 CORPUS CHRISTI, TX 78411 | AFLAC | $35 | — | $35 | 0.01% |
| MARY E HUCKABEE3 | 1510 RIVERBEND CROSSING SUGAR LAND, TX 77478 | AFLAC | $33 | — | $33 | 0.01% |
| JOSEPH SAMUEL BLACK3 | 530 DEFORREST ST CORPUS CHRISTI, TX 78404 | AFLAC | $31 | — | $31 | 0.01% |
| DELPHINE B HUDDELSTON3 | 6363 N STATE HIGHWAY 161 STE 100 IRVING, TX 75038 | AFLAC | $31 | — | $31 | 0.01% |
| SHIRLEY BEST3 | 258 CAPE MAY DRIVE CORPUS CHRISTI, TX 78412 | AFLAC | $29 | — | $29 | 0.01% |
| SHANNON L MUSE3 | 16360 PARK TEN PL STE 340 HOUSTON, TX 77084 | AFLAC | $26 | — | $26 | 0.01% |
| MICHAEL A CUTAIA3 | 1225 NORTH LOOP W STE 420 HOUSTON, TX 77008 | AFLAC | $22 | — | $22 | 0.01% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $15 | $6 | $21 | 0.01% |
| TOM KOCH3 Filed as: TOM L KOCH | 34 TAMARRON CLIFFS ST LAS VEGAS, NV 89148 | AFLAC | $19 | — | $19 | 0.01% |
| AMBER R BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $18 | — | $18 | 0.01% |
| RAYMOND P KEECH III3 | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $17 | — | $17 | 0.01% |
| DOROTHY J WESTERHOLM3 | 131 N VIRGINIA ST STE G PORT LAVACA, TX 77979 | AFLAC | $16 | — | $16 | 0.01% |
| THE ARVAK INS GROUP INC3 | 414 S TANCAHUA CORPUS CHRISTI, TX 78401 | AFLAC | $13 | — | $13 | 0.01% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $7 | $6 | $13 | 0.01% |
| ROLANDO MOYA3 | 2120 LIBERTY ST MISSION, TX 78573 | AFLAC | $12 | — | $12 | 0.01% |
| RONALD S SANDERS3 | 7402 KINGS RIVER CT HUMBLE, TX 77346 | AFLAC | $10 | — | $10 | 0.00% |
| ELIZABETH P ISLAS3 | 1605 SOUTH LINDEN AVENUE PHARR, TX 78577 | AFLAC | $8 | — | $8 | 0.00% |
| BENEFITS AT WORK LLC3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $7 | — | $7 | 0.00% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $4 | — | $4 | 0.00% |
| BRENDA Y HERNANDEZ3 | 302 LORENALY DR BROWNSVILLE, TX 78526 | AFLAC | $3 | — | $3 | 0.00% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $3 | — | $3 | 0.00% |
| SAMUEL O GUERRERO3 | 5156 N EXPRESSWAY BROWNSVILLE, TX 78526 | AFLAC | $2 | — | $2 | 0.00% |
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 | 640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 374 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.