| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS LTP | — | BLUE CROSS BLUE SHIELD OF TEXAS | $64K | $0 | $64K | 5.09% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $364 | $7K | 15.87% |
| CRYSTAL ANN DAVILA3 | 5317 LAVA ROCK DR FORT WORTH, TX 76179 | AFLAC | $2K | $13 | $2K | 5.83% |
| DAVID W SCOTT3 Filed as: DAVID SCOTT | 131 E EXCHANGE AVENUE STE 128 FORT WORTH, TX 76164 | AFLAC | $2K | $78 | $2K | 4.92% |
| MARY L WILLIAMS3 | 1102 STEVENS STREET STE 1 BRIDGEPORT, TX 76426 | AFLAC | $795 | $28 | $823 | 2.50% |
| VICKIE SUE MASTERS3 | 1209 JUDY ST WHITE SETTLEMENT, TX 76108 | AFLAC | $738 | $39 | $777 | 2.36% |
| TAYLOR ANN QUALLS3 | 2460 SARTAIN RD MINERAL WELLS, TX 76067 | AFLAC | $627 | $0 | $627 | 1.90% |
| JEREMIAH D SMITH3 | 6250 ROSEWOOD DR APT 2602 N RICHLAND HILLS, TX 76180 | AFLAC | $540 | $0 | $540 | 1.64% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $345 | $0 | $345 | 1.05% |
| CHARLES LAWSON3 | 1919 EASTSIDE LAKE RD GRAHAM, TX 76450 | AFLAC | $148 | $50 | $198 | 0.60% |
| JANIE REYES3 | 5713 HOBART ST FORT WORTH, TX 76134 | AFLAC | $165 | $0 | $165 | 0.50% |
| CLARIBEL LUPE DELEON3 Filed as: CLARIBEL LUPE LOZA | 711 BLANDIN ST SUITE 204 FORT WORTH, TX 76111 | AFLAC | $144 | $0 | $144 | 0.44% |
| LISA A JOHNSON3 Filed as: LISA JOHNSON | 3775 FM 367 E IOWA PARK, TX 76367 | AFLAC | $56 | $0 | $56 | 0.17% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY SUITE 660 DALLAS, TX 75234 | AFLAC | $44 | $0 | $44 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: BLANCA VILLEGAS | 2127 GRAYSON AVE FORT WORTH, TX 76106 | AFLAC | $34 | $0 | $34 | 0.10% |
| CANDACE POOL3 | 1602 W LAVENDER LN ARLINGTON, TX 76013 | AFLAC | $34 | $0 | $34 | 0.10% |
| CLARIBEL LUPE DELEON3 Filed as: CLARIBEL LUPE LOZA | 6045 SIDEWINDER TRL FORT WORTH, TX 76131 | AFLAC | $33 | $0 | $33 | 0.10% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $29 | $0 | $29 | 0.09% |
| EVANGELINE NIETO3 | PO BOX 1975 BIG SPRING, TX 79721 | AFLAC | $23 | $0 | $23 | 0.07% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $19 | $0 | $19 | 0.06% |
| ROBERT CHOW3 Filed as: ROBERT M CHOW | 14128 PLAYA TRL 4906 HASLET, TX 76052 | AFLAC | $17 | $0 | $17 | 0.05% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $13 | $0 | $13 | 0.04% |
| DIANA GEIS3 Filed as: DIANA M GEIS | 380 COUNTY ROAD 206 THROCKMORTON, TX 76483 | AFLAC | $11 | $0 | $11 | 0.03% |
| MARCO JOE KLIMEK3 | 3301 AIRPORT FWY STE 324 BEDFORD, TX 76021 | AFLAC | $7 | $0 | $7 | 0.02% |
| NOBLE WILTSHIRE JR3 Filed as: NOBLE RAY WILTSHIRE JR | 2820 BURDETTE ST APT 620 NEW ORLEANS, LA 70125 | AFLAC | $5 | $0 | $5 | 0.02% |
| CRAIG S DAVIES0 | 401 BOYD DR APT 5106 GRAPEVINE, TX 76051 | AFLAC | $3 | $0 | $3 | 0.01% |
| T ALLEN HOWDESHELL3 | 2400 SATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $3 | $0 | $3 | 0.01% |
| KENNETH B ISBELL3 | 132 MOCKINGBIRD LANE JACKSBORO, TX 76458 | AFLAC | $2 | $0 | $2 | 0.01% |
| LOYD G LAWSON3 | 1200 NEELY AVE MIDLAND, TX 79705 | AFLAC | $2 | $0 | $2 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $2 | $0 | $2 | 0.01% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 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 | $143 | $3K | 15.87% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $110 | $2K | 15.82% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $979 | $58 | $1K | 15.89% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 160 | $1.3M |
| Vision | VISION SERVICE PLAN | 78 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $16K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.