| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD | 3221 COLLINSWORTH ST FT WORTH, TX 76107 | BLUE CROSS BLUE SHIELD OF TEXAS | $62K | $0 | $62K | 5.00% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 15.98% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | $0 | $64 | 0.10% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.59% |
| DAVID W SCOTT3 Filed as: DAVID SCOTT | 131 E EXCHANGE AVENUE STE 128 FORT WORTH, TX 76164 | AFLAC | $2K | $117 | $2K | 5.76% |
| CHARLES LAWSON3 | 1919 EASTSIDE LAKE RD GRAHAM, TX 76450 | AFLAC | $1K | $133 | $1K | 4.42% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 1102 STEVENS STREET STE 1 BRIDGEPORT, TX 76426 | AFLAC | $715 | $46 | $761 | 2.44% |
| JEREMIAH D SMITH3 Filed as: JEREMIAH SMITH | 6250 ROSEWOOD RD APT 2602 N RICHLAND HILLS, TX 76180 | AFLAC | $639 | $0 | $639 | 2.05% |
| T HOWDESHELL3 | 1405 SHANNAN CIR APT 103 APT 2403 GRANBURY, TX 76048 | AFLAC | $380 | $0 | $380 | 1.22% |
| VICKIE SUE MASTERS3 Filed as: VICKIE MASTERS | 1209 JUDY ST WHITE SETTLEMENT, TX 76108 | AFLAC | $335 | $0 | $335 | 1.07% |
| JANIE REYES3 | 5713 HOBART ST FORT WORTH, TX 76134 | AFLAC | $236 | $0 | $236 | 0.76% |
| ROBERT CHOW3 | 326 PRIVATE ROAD 4906 HASLET, TX 76052 | AFLAC | $54 | $28 | $82 | 0.26% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 3301 AIRPORT FWY STE 324 BEDFORD, TX 76021 | AFLAC | $62 | $0 | $62 | 0.20% |
| LISA A JOHNSON3 Filed as: LISA JOHNSON | 3775 FM 367 E IOWA PARK, TX 76367 | AFLAC | $56 | $0 | $56 | 0.18% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $35 | $0 | $35 | 0.11% |
| EVANGELINE NIETO3 | PO BOX 1975 BIG SPRING, TX 79721 | AFLAC | $23 | $0 | $23 | 0.07% |
| ANDERSON C THOMPSON3 Filed as: ANDERSON THOMPSON | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $19 | $0 | $19 | 0.06% |
| FRANKLIN R DAVIES3 Filed as: FRANKLIN DAVIES | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $13 | $0 | $13 | 0.04% |
| DIANA GEIS3 | 380 COUNTY ROAD 206 THROCKMORTON, TX 76483 | AFLAC | $11 | $0 | $11 | 0.04% |
| 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 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $3 | $0 | $3 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $2 | $0 | $2 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $2 | $0 | $2 | 0.01% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.57% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $669 | $2K | 20.49% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $962 | $372 | $1K | 20.80% |
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 | 113 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 170 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $64K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $84K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $16K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.