| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC. | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 6.12% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETSVILLE, TX 77964 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.24% |
| BOLDEN INSURANCE AGENCY LLC3 | 1111 W. MOCKINGBIRD LN STE 180 DALLAS, TX 75247 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY | 3212 BARKWOOD LANE FRISCO, TX 75034 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DR GARLAND, TX 75041 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $675 | — | $675 | 1.17% |
| MAURICO AIMO3 | 381 CASA LINDA PLAZA STE 238 DALLAS, TX 75218 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $554 | — | $554 | 0.96% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVEENUE #3A BAY ST. LOUIS, MS 39520 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | — | $332 | 0.58% |
| JEFFERSON DRUMMOND3 | 4740 TRAIL LAKE DR FORT WORTH, TX 76133 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 0.40% |
| EAG AGENCY, LLC3 | 6455 DALLAS PKWY STE 1 PLANO, TX 75204 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.08% |
| KEVIN LEWIS3 | 3858 JOHNSON ST FRISCO, TX 75034 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| THOMAS E. BRANDA3 Filed as: THOMAS BRANDA | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY, SUITE 900 DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD OF TEXAS | $76K | — | $76K | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 185 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $73K |
| Life insurance | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | 56 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 185 | $0 |
| Other | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | 56 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.