| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD | 3221 COLLINGSWORTH FT WORTH, TX 76110 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | $0 | $52K | 4.87% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 0.38% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.92% |
| DAVID W SCOTT3 Filed as: DAVID SCOTT | 131 E EXCHANGE AVENUE STE 128 FORT WORTH, TX 76164 | AFLAC | $2K | $30 | $2K | 8.07% |
| CHARLES LAWSON3 | 107 SUGAR SAND CT WEATHERFORD, TX 76085 | AFLAC | $2K | $19 | $2K | 6.36% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 1102 STEVENS STREET STE 1 BRIDGEPORT, TX 76426 | AFLAC | $902 | $10 | $912 | 3.01% |
| JEREMIAH SMITH3 | 705 S CHILTON AVE TYLER, TX 75701 | AFLAC | $686 | $0 | $686 | 2.27% |
| ROBERT CHOW3 | 326 PRIVATE ROAD 4906 HASLET, TX 76052 | AFLAC | $534 | $15 | $549 | 1.81% |
| T HOWDESHELL3 | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $377 | $0 | $377 | 1.25% |
| JANIE REYES3 | 5713 HOBART ST FORT WORTH, TX 76134 | AFLAC | $345 | $0 | $345 | 1.14% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $81 | $0 | $81 | 0.27% |
| LEAH HANNAH3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $74 | $0 | $74 | 0.24% |
| LISA A JOHNSON3 Filed as: LISA JOHNSON | 3775 FM 367 E IOWA PARK, TX 76367 | AFLAC | $67 | $0 | $67 | 0.22% |
| EVANGELINE NIETO3 | PO BOX 1975 BIG SPRING, TX 79721 | AFLAC | $34 | $0 | $34 | 0.11% |
| TINA SPENCER3 | PO BOX 1265 BRECKENRIDGE, TX 76424 | AFLAC | $31 | $0 | $31 | 0.10% |
| ANDERSON C THOMPSON3 Filed as: ANDERSON THOMPSON | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $25 | $0 | $25 | 0.08% |
| FRANKLIN R DAVIES3 Filed as: FRANKLIN DAVIES | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $16 | $0 | $16 | 0.05% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $15 | $0 | $15 | 0.05% |
| DIANA GEIS3 | 380 COUNTY ROAD 206 THROCKMORTON, TX 76483 | AFLAC | $11 | $0 | $11 | 0.04% |
| RANDY L LANIER3 Filed as: RANDY LANIER | 800 S CARDINAL RD AZLE, TX 76020 | AFLAC | $7 | $0 | $7 | 0.02% |
| NOBLE WILTSHIRE JR3 | 2820 BURDETTE ST APT 204 NEW ORLEANS, LA 70125 | AFLAC | $5 | $0 | $5 | 0.02% |
| KENNETH B ISBELL3 | 132 MOCKINGBIRD LANE JACKSBORO, TX 76458 | AFLAC | $4 | $0 | $4 | 0.01% |
| LOYD G LAWSON3 Filed as: LOYD LAWSON | 1200 NEELY AVE MIDLAND, TX 79705 | AFLAC | $3 | $0 | $3 | 0.01% |
| CRAIG S DAVIES0 Filed as: CRAIG DAVIES | TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $3 | $0 | $3 | 0.01% |
| JENNY READ3 | 105 N STATE ST STE 103 DECATUR, TX 76234 | AFLAC | $3 | $0 | $3 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $1 | $0 | $1 | 0.00% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $730 | $3K | 19.90% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $798 | $273 | $1K | 20.14% |
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 | 107 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 142 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $56K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $5K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $15K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.