| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE 1600 DALLAS, TN 75231 | BLUECROSS BLUESHIELD | — | $2K | $2K | 0.15% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 2301 W PLANO PARKWAY #108 PLANO, TX 75075 | BLUECROSS BLUESHIELD | — | $39 | $39 | 0.00% |
| GRAPHIC SOLUTIONS GROUP, INC.3 | 4601 SPRING VALLEY DALLAS, TX 75244 | BLUECROSS BLUESHIELD | — | $0 | $0 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES | 1300 SOUTH MOPAC AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.70% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES INC | 2400 N GLENVILLE DR STE B125 RICHARDSON, TX 75082 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.65% |
| INSURICA, INC.3 Filed as: INSURICA TX DBA GUARANTY INSURANCE | 9600 GREAT HILLS TRAIL, STE. 225W AUSTIN, TX 78759 | EYEMED | $1K | — | $1K | 9.16% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 2.02% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 1.90% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.92% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TN 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.83% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.45% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.21% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DR. GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORTH WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 2.48% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 2.31% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.19% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.98% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.55% |
| WENDY SUSAN GARCIA3 | 4408 HALE ST THE COLONY, TX 75056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| DAVID BOYD SCHAFER3 | 3606 LAMESA DR. GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.69% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.63% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.35% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.28% |
| ROGER GARZA3 | 2500 WILCREST #321 HOUSTON, TX 77042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| VERNON R GATLIN3 | 412 MERCEDES ST STE E BENBROOK, TX 76126 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 5.57% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 2.32% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 3.59% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.99% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURICA EIN 74-2339111 BROKER | Insurance agents and brokers Service code 22 | 2400 N GLENVILLE DR STE B125 RICHARDSON, TX 75082 | $36K |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 345 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $94K |
| Vision | EYEMED | 259 | $12K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 213 | $62K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 213 | $59K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 213 | $58K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
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.