| 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 | $11K | $52K | $63K | 5.05% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS, BASTIAN & CARTWRIGHT LP | 2351 S FM 51 STE 300 DECATUR, TX 762343780 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 S FM 51 STE 300 DECATUR, TX 76234 | AFLAC | $3K | — | $3K | 8.00% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $714 | $11 | $725 | 2.31% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $488 | $28 | $516 | 1.64% |
| MARCI M SCHNITKER3 | 1483 TAYLOR RD HOWE, TX 75459 | AFLAC | $427 | — | $427 | 1.36% |
| MARK WOOD3 Filed as: MARK C WOOD | 2912 MAPLE CREEK DR FORT WORTH, TX 76177 | AFLAC | $73 | — | $73 | 0.23% |
| JUDY L EDWARDS3 | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $54 | — | $54 | 0.17% |
| DONNA D LASKOSKIE3 | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $20 | — | $20 | 0.06% |
| CECIL RAY PARKER3 | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $14 | — | $14 | 0.04% |
| HAROLD RODNEY MCCASLIN3 | 209 RUSTIC TRACE SNOOK, TX 77878 | AFLAC | $13 | — | $13 | 0.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $13 | — | $13 | 0.04% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $13 | — | $13 | 0.04% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $13 | — | $13 | 0.04% |
| DENNIS MICHAEL ESARTE3 | 7777 ADELAIDE ST APT 3034 FRISCO, TX 75034 | AFLAC | $12 | — | $12 | 0.04% |
| ALICE B STONE3 | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $11 | — | $11 | 0.04% |
| PATRICIA H MCMINN3 | 805 LLANO FALLS DR MCKINNEY, TX 75071 | AFLAC | $9 | — | $9 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 10000 N CENTRAL EXPY STE 1200 DALLAS, TX 75231 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID D SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $2 | — | $2 | 0.01% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS BASTIAN & CARTWRIGHT | LP 2351 S FM 51 STE 300 DECATUR, TX 762343780 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 170 | $88K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 170 | $88K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 170 | $88K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 170 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.