| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $75K | $90K | 5.64% |
| STACIE R PEARSON3 | 934 CHARLES RIVER CT ALLEN, TX 75013 | AFLAC | $4K | $267 | $4K | 2.93% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $124 | $2K | 1.61% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $6 | $2K | 1.58% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $1K | — | $1K | 1.08% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $1K | $86 | $1K | 1.06% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $1K | $0 | $1K | 0.79% |
| EDUARDO A REYNA3 | 1921 E HICKORY HILL RD ARGYLE, TX 76226 | AFLAC | $671 | $0 | $671 | 0.49% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $636 | $22 | $658 | 0.48% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $606 | $0 | $606 | 0.44% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $468 | $0 | $468 | 0.34% |
| TIFFANY KINDLE MILLER3 | 1600 BOXWOOD LN WYLIE, TX 75098 | AFLAC | $465 | $0 | $465 | 0.34% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $354 | $0 | $354 | 0.26% |
| CYNDE DAVIS3 | 319 W MAIN ST DENISON, TX 75020 | AFLAC | $348 | $0 | $348 | 0.25% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $326 | $0 | $326 | 0.24% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $273 | $0 | $273 | 0.20% |
| JOHN DEE MAULDIN0 | 1400 BURLINGTON DR PLANO, TX 75025 | AFLAC | $218 | $0 | $218 | 0.16% |
| CANDICE RENEE TREVINO3 | 12594 S STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $155 | $0 | $155 | 0.11% |
| KEVIN B BAILEY0 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $155 | $0 | $155 | 0.11% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $152 | $0 | $152 | 0.11% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75092 | AFLAC | $124 | $0 | $124 | 0.09% |
| MYRA GAMMEL3 | 1725 S FM 1417 SHERMAN, TX 75092 | AFLAC | $122 | $0 | $122 | 0.09% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $113 | $0 | $113 | 0.08% |
| GEORGIA ANN KNABE3 | 2112 YUCCA AVE FT WORTH, TX 76111 | AFLAC | $109 | $0 | $109 | 0.08% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DR PLANO, TX 75093 | AFLAC | $105 | $0 | $105 | 0.08% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $98 | $0 | $98 | 0.07% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $93 | $0 | $93 | 0.07% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $66 | $0 | $66 | 0.05% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $58 | $0 | $58 | 0.04% |
| ROBIN LEE AVGERENOS3 | 2033 GAYLA CREEK DR LITTLE ELM, TX 75068 | AFLAC | $57 | $0 | $57 | 0.04% |
| LYNN S WILSON3 | 16135 AMBERWOOD RD DALLAS, TX 75248 | AFLAC | $53 | $0 | $53 | 0.04% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $52 | $0 | $52 | 0.04% |
| GENE A STEPHENS3 | PO BOX 7513 FT WORTH, TN 76111 | AFLAC | $52 | $0 | $52 | 0.04% |
| RAY PEARSEY3 | 2910 WHISPERING PINE BLVD MELISSA, TX 75454 | AFLAC | $49 | $0 | $49 | 0.04% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 2300 REPSDORPH RD APT 4201 SEABROOK, TX 77586 | AFLAC | $49 | $0 | $49 | 0.04% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $48 | $0 | $48 | 0.03% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $43 | $0 | $43 | 0.03% |
| ROSALIND GEORGE3 | 7510 HOLLY HILL DR APT 142 DALLAS, TX 75231 | AFLAC | $40 | $0 | $40 | 0.03% |
| LOU HENRY COOPER3 | PO BOX 756 SANGER, TX 76266 | AFLAC | $40 | $0 | $40 | 0.03% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $37 | $0 | $37 | 0.03% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $36 | $0 | $36 | 0.03% |
| CORDETTE B EMPSON3 | 6432 GENSTAR LN DALLAS, TX 75252 | AFLAC | $34 | $0 | $34 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $32 | $0 | $32 | 0.02% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $30 | $0 | $30 | 0.02% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $30 | $0 | $30 | 0.02% |
| MATTHEW PENCE3 | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $26 | $0 | $26 | 0.02% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $25 | $0 | $25 | 0.02% |
| JOSEPH P TOTH3 | 4625 FM 2920 RD #141 SPRING, TX 77388 | AFLAC | $25 | $0 | $25 | 0.02% |
| LINDA JANE NEVAREZ3 | 713 BETHANY LAKE BLVD ALLEN, TX 75002 | AFLAC | $25 | $0 | $25 | 0.02% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $24 | $0 | $24 | 0.02% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $24 | $0 | $24 | 0.02% |
| BRETT MERLYN BIGELOW3 | 10140 W POTTER DR PEORIA, AZ 85382 | AFLAC | $23 | $0 | $23 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $19 | $0 | $19 | 0.01% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $17 | $0 | $17 | 0.01% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $16 | $0 | $16 | 0.01% |
| ROBERT A BLANKENSHIP3 | 2214 FORELAND DR HOUSTON, TX 77077 | AFLAC | $15 | $0 | $15 | 0.01% |
| PINKIE M HICKS3 | 6208 SOUTHRIDGE PKWY PARKER, TX 75002 | AFLAC | $13 | $0 | $13 | 0.01% |
| RAND G SIMKINS3 | 1609 THOMPSON DR CARROLLTON, TX 75010 | AFLAC | $13 | $0 | $13 | 0.01% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $12 | $0 | $12 | 0.01% |
| EILEEN KELLY JONES3 | 18714 RIVERTON CREST CT CYPRESS, TX 77433 | AFLAC | $11 | $0 | $11 | 0.01% |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $10 | $0 | $10 | 0.01% |
| PATRICIA H SMITH3 | 7200 PRESTON RD APT 214 PLANO, TX 75024 | AFLAC | $10 | $0 | $10 | 0.01% |
| CHRISTOPHER ALAN HOOD SR3 | 160 COUNTY ROAD 4553 WINNSBORO, TX 75494 | AFLAC | $9 | $0 | $9 | 0.01% |
| VERNON P HERRERA3 | PO BOX 310 SANTE FE, NM 87504 | AFLAC | $9 | $0 | $9 | 0.01% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $7 | $0 | $7 | 0.01% |
| PAGE W COOPER3 | PO BOX 756 SANGER, TX 76266 | AFLAC | $7 | $0 | $7 | 0.01% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | AFLAC | $6 | $0 | $6 | 0.00% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $6 | $0 | $6 | 0.00% |
| BYRON RECE SUTHERLIN3 | 825 TEALWOOD CIR FLOWER MOUND, TX 75028 | AFLAC | $6 | $0 | $6 | 0.00% |
| ALICE B STONE3 | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $5 | $0 | $5 | 0.00% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $5 | $0 | $5 | 0.00% |
| SANDRA LYNN ARGO3 | 525 W ARCHER ST JACKSBORO, TX 76458 | AFLAC | $3 | $0 | $3 | 0.00% |
| WENDY CRUZ3 | 3560 ELM BOTTOM CIR AUBREY, TX 76227 | AFLAC | $3 | $0 | $3 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID D SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.00% |
| ERIC J LEGER3 | 623 E 7TH 1/2 ST HOUSTON, TX 77007 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 19.11% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $133K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $133K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 225 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.