| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 S FM 51 STE 300 DECATUR, TX 762343712 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $23K | $31K | 3.69% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 S FM 51 STE 300 DECATUR, TX 76234 | AFLAC | $12K | — | $12K | 35.38% |
| JASON L WEEKS3 | 204 S MAIN ST STE 120 KELLER, TX 76248 | AFLAC | $2K | — | $2K | 5.58% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $2K | — | $2K | 4.80% |
| MARCI M CRADDOCK3 | 1102 STEVENS ST STE 3 BRIDGEPORT, TX 76426 | AFLAC | $1K | — | $1K | 3.97% |
| MARK WOOD3 Filed as: MARK C WOOD | 2912 MAPLE CREEK DR FORT WORTH, TX 76177 | AFLAC | $71 | — | $71 | 0.20% |
| DONNA S POLSER3 | 1210 COUNTY TOAD 4930 LEONARD, TX 75452 | AFLAC | $15 | — | $15 | 0.04% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $13 | — | $13 | 0.04% |
| WILMA GALE JOHNSON3 | 4100 ELDORADO PKWY STE 100387 MCKINNEY, TX 75070 | AFLAC | $10 | — | $10 | 0.03% |
| SHARYL K BATHE3 | 120 S 8TH ST MATTOON, IL 61938 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS BASTIAN & CARTWR | 2351 S FM 51 STE 300 DECATUR, TX 76234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $553 | $5K | 16.89% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS BASTIAN & CARTWR | 2351 S FM 51 STE 300 DECATUR, TX 76234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $386 | $2K | 11.94% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS BASTIAN & CARTWR | 2351 S FM 51 STE 300 DECATUR, TX 76234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $640 | $136 | $776 | 12.13% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS BASTIAN & CARTWR | 2351 S FM 51 STE 300 DECATUR, TX 76234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | $60 | $527 | 16.93% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $845K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $6K |
| Other(2 contracts, 2 carriers) | AFLAC | 75 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.