| 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 | $18K | $87K | $105K | 5.79% |
| STACIE R PEARSON3 | 934 CHARLES RIVER CT ALLEN, TX 75013 | AFLAC | $3K | $0 | $3K | 2.14% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $0 | $2K | 1.35% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $3 | $2K | 1.14% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $1K | $0 | $1K | 1.00% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $1K | $0 | $1K | 0.85% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $1K | $2 | $1K | 0.84% |
| 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 | $473 | $0 | $473 | 0.34% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $466 | $2 | $468 | 0.34% |
| TIFFANY KINDLE MILLER3 | 1600 BOXWOOD LN WYLIE, TX 75098 | AFLAC | $438 | $0 | $438 | 0.32% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $428 | $0 | $428 | 0.31% |
| CYNDE DAVIS3 | 319 W MAIN ST DENISON, TX 75020 | AFLAC | $348 | $0 | $348 | 0.25% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $324 | $0 | $324 | 0.23% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $277 | $0 | $277 | 0.20% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $273 | $0 | $273 | 0.20% |
| KEVIN B BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $146 | $0 | $146 | 0.11% |
| CANDICE RENEE TREVINO3 | 12594 S STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $137 | $0 | $137 | 0.10% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $123 | $0 | $123 | 0.09% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DR PLANO, TX 75093 | AFLAC | $105 | $0 | $105 | 0.08% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $96 | $7 | $103 | 0.07% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $93 | $0 | $93 | 0.07% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $83 | $0 | $83 | 0.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $66 | $0 | $66 | 0.05% |
| GEORGIA ANN KNABE3 | 2112 YUCCA AVE FT WORTH, TX 76111 | AFLAC | $65 | $0 | $65 | 0.05% |
| MYRA GAMMEL3 | 1725 S FM 1417 APT 21110 SHERMAN, TX 75092 | AFLAC | $61 | $0 | $61 | 0.04% |
| MYRA GAMMEL3 | 1725 S FM 1417 SHERMAN, TX 75092 | AFLAC | $61 | $0 | $61 | 0.04% |
| 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 | 440 INDEPENDENCE PKWY APT 3303 PLANO, TX 75075 | AFLAC | $53 | $0 | $53 | 0.04% |
| RAY PEARSEY3 | 2910 WHISPERING PINE BLVD MELISSA, TX 75454 | AFLAC | $49 | $0 | $49 | 0.04% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $49 | $0 | $49 | 0.04% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $48 | $0 | $48 | 0.03% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $43 | $0 | $43 | 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% |
| CORDETTE B EMPSON3 | 6432 GENSTAR LN DALLAS, TX 75252 | AFLAC | $34 | $0 | $34 | 0.02% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $33 | $0 | $33 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $32 | $0 | $32 | 0.02% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $30 | $0 | $30 | 0.02% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $30 | $0 | $30 | 0.02% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $28 | $0 | $28 | 0.02% |
| GENE A STEPHENS3 | PO BOX 7513 FT WORTH, TX 76111 | AFLAC | $28 | $0 | $28 | 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% |
| MATTHEW PENCE3 Filed as: MATTHEW A PENCE | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $23 | $0 | $23 | 0.02% |
| BRETT MERLYN BIGELOW3 | 10140 W POTTER DR PEORIA, AZ 85382 | AFLAC | $23 | $0 | $23 | 0.02% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $20 | $0 | $20 | 0.01% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $17 | $0 | $17 | 0.01% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $16 | $0 | $16 | 0.01% |
| LINDA JANE NEVAREZ3 | 713 BETHANY LAKE BLVD ALLEN, TX 75002 | AFLAC | $16 | $0 | $16 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY FATE, TX 75087 | AFLAC | $16 | $0 | $16 | 0.01% |
| ROBERT A BLANKENSHIP3 | 2214 FORELAND DR HOUSTON, TX 77077 | AFLAC | $15 | $0 | $15 | 0.01% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $14 | $0 | $14 | 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% |
| 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% |
| PAGE W COOPER3 | PO BOX 756 SANGER, TX 76266 | AFLAC | $7 | $0 | $7 | 0.01% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $6 | $0 | $6 | 0.00% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $6 | $0 | $6 | 0.00% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | AFLAC | $6 | $0 | $6 | 0.00% |
| JEFF MUSGROVE3 | 31300 STONEBRIDGE PKWY WALLER, TX 77484 | AFLAC | $6 | $0 | $6 | 0.00% |
| ALICE B STONE3 | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $5 | $0 | $5 | 0.00% |
| ALICE B STONE3 | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $5 | $0 | $5 | 0.00% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | 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% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE. 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.00% |
| VERNON P HERRERA3 | PO BOX 310 SANTE FE, NM 87504 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.00% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $1 | $0 | $1 | 0.00% |
| SANDRA LYNN ARGO3 | 108 MAPLE DR PORTLAND, TX 78374 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID D SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $1 | $0 | $1 | 0.00% |
| ERIC J LEGER3 | 623 E 7TH 1/2 ST HOUSTON, TX 77007 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 5TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 17.87% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $137K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $137K |
| Other(2 contracts, 2 carriers) | AFLAC | 223 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.