| 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 | $17K | $65K | $83K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 5TH FLOOR DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 13.73% |
| STACIE R PEARSON3 Filed as: STACIE PEARSON | 934 CHARLES RIVER CT ALLEN, TX 75013 | AFLAC | $6K | $64 | $6K | 4.54% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $21 | $2K | 1.43% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2K | $0 | $2K | 1.33% |
| ANN K GRAVSETH3 Filed as: ANN GRAVSETH | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $1K | $0 | $1K | 1.02% |
| JOHN KUNZ3 | 8100 LIBERTY GROVE RD STE 400 ROWLETT, TX 75089 | AFLAC | $1K | $0 | $1K | 0.85% |
| LORI J THOMPSON3 Filed as: LORI THOMPSON | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $1K | $20 | $1K | 0.83% |
| JOHN DEE MAULDIN3 Filed as: JOHN MAULDIN | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $805 | $0 | $805 | 0.65% |
| KRISTY ANN MOOREHEAD3 Filed as: KRISTY MOOREHEAD | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $648 | $20 | $668 | 0.54% |
| EDUARDO A REYNA3 | 1921 E HICKORY HILL RD ARGYLE, TX 76226 | AFLAC | $652 | $0 | $652 | 0.53% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $498 | $0 | $498 | 0.40% |
| TIFFANY KINDLE MILLER3 Filed as: TIFFANY MILLER | 1600 BOXWOOD LN WYLIE, TX 75098 | AFLAC | $496 | $0 | $496 | 0.40% |
| ADAM SHANE HUNDLEY3 Filed as: ADAM HUNDLEY | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $367 | $0 | $367 | 0.30% |
| CYNDE DAVIS3 | 319 W MAIN ST DENISON, TX 75020 | AFLAC | $348 | $0 | $348 | 0.28% |
| KIMBERLY WEBB3 | 17165 W MOUNTAINAIR ST SURPRISE, AZ 85388 | AFLAC | $291 | $0 | $291 | 0.23% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $258 | $0 | $258 | 0.21% |
| CANDICE RENEE TREVINO3 Filed as: CANDICE TREVINO | 12594 S STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $135 | $0 | $135 | 0.11% |
| KEVIN BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $131 | $0 | $131 | 0.11% |
| MYRA GAMMEL3 | 1725 S FM 1417 APT 21110 SHERMAN, TX 75092 | AFLAC | $122 | $0 | $122 | 0.10% |
| BRENT LYNN SCHNEIDER3 Filed as: BRENT SCHNEIDER | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $117 | $0 | $117 | 0.09% |
| JAMES A VANDIVER3 Filed as: JAMES VANDIVER | 4516 LOUISVILLE DR PLANO, TX 75093 | AFLAC | $105 | $0 | $105 | 0.08% |
| GEORGIA ANN KNABE3 Filed as: GEORGIA KNABE | 2112 YUCCA AVE FT WORTH, TX 76111 | AFLAC | $94 | $0 | $94 | 0.08% |
| VIRGINIA L MURPHY3 Filed as: VIRGINIA MURPHY | 2160 STREET RD LIBERTY, MS 39645 | AFLAC | $93 | $0 | $93 | 0.07% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $77 | $0 | $77 | 0.06% |
| CAROLYN ANN MCLAUGHLIN3 Filed as: CAROLYN MCLAUGHLIN | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $76 | $0 | $76 | 0.06% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS JR | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $76 | $0 | $76 | 0.06% |
| RUSSELL ALLEN TYNAN3 Filed as: RUSSELL TYNAN | 8400 SUNSET BLVD APT 3201 ROWLETT, TX 75088 | AFLAC | $66 | $0 | $66 | 0.05% |
| ROBIN LEE AVGERENOS3 Filed as: ROBIN AVGERENOS | 2033 GAYLA CREEK DR LITTLE ELM, TX 75068 | AFLAC | $57 | $0 | $57 | 0.05% |
| WILLIAM COVINGTON3 | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $51 | $0 | $51 | 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% |
| ROSALIND GEORGE3 | 7510 HOLLY HILL DR APT 142 DALLAS, TX 75231 | AFLAC | $45 | $0 | $45 | 0.04% |
| CRAIG S DAVIES3 Filed as: CRAIG DAVIES | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $43 | $0 | $43 | 0.03% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $42 | $0 | $42 | 0.03% |
| LYNN S WILSON3 Filed as: LYNN WILSON | 440 INDEPENDENCE PKWY APT 3303 PLANO, TX 75075 | AFLAC | $40 | $0 | $40 | 0.03% |
| LOU HENRY COOPER3 Filed as: LOU COOPER | PO BOX 756 SANGER, TX 76266 | AFLAC | $40 | $0 | $40 | 0.03% |
| CORDETTE B EMPSON3 Filed as: CORDETTE EMPSON | 6432 GENSTAR LN DALLAS, TX 75252 | AFLAC | $34 | $0 | $34 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $32 | $0 | $32 | 0.03% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $30 | $0 | $30 | 0.02% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $30 | $0 | $30 | 0.02% |
| MICHAEL J MCNAUGHTON3 Filed as: MICHAEL MCNAUGHTON | 333 JB RATCLIFF RD RAYVILLE, LA 71269 | AFLAC | $27 | $0 | $27 | 0.02% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $25 | $0 | $25 | 0.02% |
| JOSEPH P TOTH3 Filed as: JOSEPH TOTH | 4625 FM 2920 RD #141 SPRING, TX 77388 | AFLAC | $25 | $0 | $25 | 0.02% |
| BRETT MERLYN BIGELOW3 Filed as: BRETT BIGELOW | 10140 W POTTER DR PEORIA, AZ 85382 | AFLAC | $23 | $0 | $23 | 0.02% |
| LINDA NEVAREZ3 | 713 BETHANY LAKE BLVD ALLEN, TX 75002 | AFLAC | $19 | $0 | $19 | 0.02% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $17 | $0 | $17 | 0.01% |
| PINKIE M HICKS3 Filed as: PINKIE HICKS | 6208 SOUTHRIDGE PKWY PARKER, TX 75002 | AFLAC | $17 | $0 | $17 | 0.01% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SIMPSON | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $15 | $0 | $15 | 0.01% |
| ROBERT L. BLANKENSHIP3 Filed as: ROBERT BLANKENSHIP | 2214 FORELAND DR HOUSTON, TX 77077 | AFLAC | $15 | $0 | $15 | 0.01% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $15 | $0 | $15 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 717 BOSLEY FATE, TX 75087 | AFLAC | $14 | $0 | $14 | 0.01% |
| RAND G SIMKINS3 Filed as: RAND SIMKINS | 6508 PINE HILLS LN DENTON, TX 76210 | AFLAC | $13 | $0 | $13 | 0.01% |
| FRANKLIN R DAVIES3 Filed as: FRANKLIN DAVIES | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $11 | $0 | $11 | 0.01% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $11 | $0 | $11 | 0.01% |
| EILEEN KELLY JONES3 Filed as: EILEEN JONES | 18714 RIVERTON CREST CT CYPRESS, TX 77433 | AFLAC | $11 | $0 | $11 | 0.01% |
| PATRICIA H SMITH3 Filed as: PATRICIA SMITH | 7200 PRESTON RD APT 214 PLANO, TX 75024 | AFLAC | $10 | $0 | $10 | 0.01% |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $9 | $0 | $9 | 0.01% |
| CHRISTOPHER ALAN HOOD SR3 Filed as: CHRISTOPHER HOOD SR | 160 COUNTY ROAD 4553 WINNSBORO, TX 75494 | AFLAC | $9 | $0 | $9 | 0.01% |
| PAGE W COOPER3 Filed as: PAGE COOPER | PO BOX 756 SANGER, TX 76266 | AFLAC | $7 | $0 | $7 | 0.01% |
| MATTHEW PENCE3 | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | 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% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | $0 | $5 | 0.00% |
| JOE A DEPASQUAL3 Filed as: JOE DEPASQUAL | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $5 | $0 | $5 | 0.00% |
| ALICE B STONE3 Filed as: ALICE STONE | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $5 | $0 | $5 | 0.00% |
| BYRON RECE SUTHERLIN3 Filed as: BYRON SUTHERLIN | 825 TEALWOOD CIR FLOWER MOUND, TX 75028 | AFLAC | $5 | $0 | $5 | 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 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $1 | $0 | $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 | 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 | 368 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $1.9M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 225 | $141K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 225 | $141K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 225 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.