| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5057 KELLER SPRINGS ROAD SUITE 200 ADDISON, TX 75001 | GUARDIAN | $10K | $7K | $17K | 10.57% |
| ALMA C MONTOYA3 | 4101 MELODY LN ODESSA, TX 79762 | AFLAC | $816 | — | $816 | 3.21% |
| ROXY DODD GARTON3 | 10448 SAN CLEMENTE DR PAINT ROCK, TX 76866 | AFLAC | $450 | — | $450 | 1.77% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR D LANCASTER, TX 75146 | AFLAC | $382 | $6 | $388 | 1.52% |
| ACRISURE LLC3 | 582 E 36TH AVE STE 1201 BULVERDE, TX 78163 | AFLAC | $285 | — | $285 | 1.12% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $238 | — | $238 | 0.93% |
| ACRISURE LLC3 | 32335 US HIGHWAY 281 N STE 1201 BULVERDE, TX 78163 | AFLAC | $139 | — | $139 | 0.55% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $112 | $1 | $113 | 0.44% |
| STEVE WHITTEN3 | PO BOX 1644 ALEDO, TX 76008 | AFLAC | $67 | — | $67 | 0.26% |
| DELPHINE B HUDDELSTON3 | 2716 RIVER FOREST CT BEDFORD, TX 76021 | AFLAC | $62 | — | $62 | 0.24% |
| TIODOSO G MONTOYA3 | 4101 MELODY LN ODESSA, TX 79762 | AFLAC | $58 | — | $58 | 0.23% |
| LINDA DUREN ROBERT3 | 10484 SAN CLEMENTE DR PAINT ROCK, TX 76866 | AFLAC | $57 | — | $57 | 0.22% |
| N C HALBERT III3 | 3014 MEADOWBROOK DR MIDLAND, TX 79705 | AFLAC | $52 | — | $52 | 0.20% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $46 | — | $46 | 0.18% |
| BRANDI NIELSEN HILL3 | 309 SUNSET ST MIDLAND, TX 79701 | AFLAC | $36 | — | $36 | 0.14% |
| SCOTT G GOFF3 | 12311 COLBY CIR TYLER, TX 75707 | AFLAC | $32 | — | $32 | 0.13% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $30 | — | $30 | 0.12% |
| DEBRA KAY WALLER3 | 2 AMHURST CT MIDLAND, TX 79705 | AFLAC | $17 | — | $17 | 0.07% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M DOWNES | 1109 RIDGEVIEW DR HEWITT, TX 76643 | AFLAC | $16 | — | $16 | 0.06% |
| ROBERT W MARTIN3 | 2963 BEECHWOOD ST ODESSA, TX 79761 | AFLAC | $12 | — | $12 | 0.05% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $12 | — | $12 | 0.05% |
| JOSHUA J CONTRERAS3 | 2320 MCCUE RD APT 14 HOUSTON, TX 77056 | AFLAC | $8 | — | $8 | 0.03% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P EVANS JR INC | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $8 | — | $8 | 0.03% |
| FRANCISCO J LARA3 | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $6 | — | $6 | 0.02% |
| CECIL RAY PARKER3 | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $6 | — | $6 | 0.02% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $5 | — | $5 | 0.02% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.00% |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID HANCOCK INC3 Filed as: DAVID G HANCOCK | PO BOX 423 LAVON, TX 75166 | AFLAC | $1 | — | $1 | 0.00% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 105 | $157K |
| Vision | GUARDIAN | 105 | $157K |
| Life insurance | GUARDIAN | 105 | $157K |
| Short-term disability | GUARDIAN | 105 | $157K |
| Long-term disability | GUARDIAN | 105 | $157K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 105 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.