| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL UNDERWRITERS INC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $25K | — | $25K | 2.75% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | — | BLUECROSS BLUESHIELD OF TEXAS | $9K | — | $9K | 1.01% |
| JAMES ARTHUR VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $660 | $8K | 12.42% |
| SELLORS, MICHELE3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $924 | — | $924 | 3.51% |
| KEITH LEPACK3 Filed as: KEITH, KENNETH D | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $785 | — | $785 | 2.98% |
| BLANTON, LISA3 Filed as: BLANTON, LISA J | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $483 | — | $483 | 1.83% |
| BOURDON, MICHELLE3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $29 | — | $29 | 0.11% |
| WILMA GALE JOHNSON3 | 4100 ELDORADO PKWY STE 100387 MCKINNEY, TX 75070 | AFLAC | $395 | — | $395 | 2.19% |
| MICHAEL RAY ROBINS3 | 3812 NANTUCKET DR PLANO, TX 75023 | AFLAC | $252 | — | $252 | 1.40% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $150 | — | $150 | 0.83% |
| LEANN RENEE BRUMLEY3 | 4 GLENDALE COURT TROPHY CLUB, TX 76262 | AFLAC | $125 | — | $125 | 0.69% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $95 | — | $95 | 0.53% |
| TARA MCKNIGHT3 | 3812 NANTUCKET DR PIANO, TX 75023 | AFLAC | $87 | — | $87 | 0.48% |
| MICHAEL RAY ROBINS3 | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $84 | — | $84 | 0.47% |
| SHARYL K BATHE3 | 1816 BROADWAY AVE MATTOON, IL 61938 | AFLAC | $82 | — | $82 | 0.46% |
| TAMMYE DEE ISBELL3 | 132 MOCKINGBIRD LN JACKSBORO, TX 76458 | AFLAC | $78 | — | $78 | 0.43% |
| ALEXANDRIA NICOLE ARNOLD3 | 4100 ELDORADO PKWY STE 100387 MCKINNEY, TX 75070 | AFLAC | $74 | — | $74 | 0.41% |
| SHARYL K BATHE3 | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $58 | — | $58 | 0.32% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $49 | — | $49 | 0.27% |
| KENNETH B ISBELL3 | 132 MOCKINGBIRD LANE JACKSBORO, TX 76458 | AFLAC | $49 | — | $49 | 0.27% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $35 | — | $35 | 0.19% |
| GREGORY LAKE JONES3 | 6400 CROSS TIMBERS RD FLOWER MOUND, TX 75022 | AFLAC | $29 | — | $29 | 0.16% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $20 | — | $20 | 0.11% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 550 S WATTERS RD STE 103 ALLEN, TX 75013 | AFLAC | $18 | — | $18 | 0.10% |
| JUVENCIO JUAREZ PRADO3 | 2028 TEXOMA PKWY SHERMAN, TX 75090 | AFLAC | $17 | — | $17 | 0.09% |
| DAVID M COUGHLIN3 | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $12 | — | $12 | 0.07% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLW000 DR GARLAND, TX 75040 | AFLAC | $10 | — | $10 | 0.06% |
| 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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 144 | $919K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $84K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $66K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $93K |
| Short-term disability | AFLAC | 21 | $18K |
| Other(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 27 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.