| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $53K | — | $53K | 3.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5080 SPECTRUM DR STE 900E ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 13.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR. STE 210 GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $267 | $267 | 0.29% |
| TRAVIS ZSCHECK3 | 6071 VILLAGE BEND DR APT 407 DALLAS, TX 75206 | AFLAC | $649 | $245 | $894 | 5.47% |
| DOMINIC J ASHLEY3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $227 | $45 | $272 | 1.66% |
| WILMA GALE JOHNSON3 | 1821 N LAKE FOREST DR. STE 700-226 MCKINNEY, TX 75071 | AFLAC | $253 | — | $253 | 1.55% |
| MICHAEL RAY ROBINS3 | 3943 RANCH ESTATES DR. PLANO, TX 75074 | AFLAC | $213 | — | $213 | 1.30% |
| AMANDA LEAH RISNER3 | 6849 ELM ST. FRISCO, TX 75034 | AFLAC | $125 | $45 | $170 | 1.04% |
| H PATRICK BRUMLEY3 Filed as: H. PATRICK BRUMLEY | 1524 TWISTLEAF RD. ARGYLE, TX 76226 | AFLAC | $114 | — | $114 | 0.70% |
| SHARYL K BATHE3 Filed as: SHARYL K JUNEAU | 620 ODD FELLOW RD. MATTOON, IL 61938 | AFLAC | $89 | — | $89 | 0.54% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $83 | — | $83 | 0.51% |
| TAMMYE DEE ISBELL3 | 905 W COLLEGE ST JACKSBORO, TX 76458 | AFLAC | $78 | — | $78 | 0.48% |
| LEANN RENEE BRUMLEY3 | 1524 TWISTLEAF RD. ARGYLE, TX 76226 | AFLAC | $56 | — | $56 | 0.34% |
| KENNETH B ISBELL3 Filed as: KENNETH B. ISBELL | 905 W. COLLEGE ST. JACKSBORO, TX 76458 | AFLAC | $49 | — | $49 | 0.30% |
| TARA MCKNIGHT3 | 3943 RANCH ESTATES DR. PLANO, TX 75074 | AFLAC | $48 | — | $48 | 0.29% |
| FRANKLIN R DAVIES3 | 201 ROYAL ARBERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $44 | — | $44 | 0.27% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $26 | — | $26 | 0.16% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR. CARROLLTON, TX 75006 | AFLAC | $13 | — | $13 | 0.08% |
| DAVID M COUGHLIN3 | 1400 SUN COPPER DR LAS VEGAS, NV 89117 | AFLAC | $12 | — | $12 | 0.07% |
| ALEXANDRIA NICOLE ARNOLD3 | 4100 ELDORADO PARKWAY SE 100387 MCKINNEY, TX 75070 | AFLAC | $8 | — | $8 | 0.05% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY DR FATE, TX 75087 | AFLAC | $7 | — | $7 | 0.04% |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $4 | — | $4 | 0.02% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 175 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $110K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $93K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $93K |
| Short-term disability | AFLAC | 10 | $16K |
| Other | AFLAC | 10 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.