| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 2301 W PLANO PARKWAY #108 PLANO, TX 75075 | BLUECROSS BLUESHIELD | $11K | $0 | $11K | 0.77% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES INC | 2400 N GLENVILLE DR STE B125 RICHARDSON, TX 75082 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $16K | 20.95% |
| INSURICA, INC.3 Filed as: INSURICA TX DBA GUARANTY INSURANCE | 9600 GREAT HILLS TRAIL, STE. 225W AUSTIN, TX 78759 | EYEMED | $1K | $0 | $1K | 9.83% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 3.29% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | $0 | $235 | 2.91% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 1.24% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TN 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.85% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.64% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.38% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR. BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.17% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORTH WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | $0 | $190 | 3.66% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | $0 | $184 | 3.55% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 1.95% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 1.08% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.93% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.41% |
| WENDY SUSAN GARCIA3 | 4408 HALE ST THE COLONY, TX 75056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.14% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 1.10% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 1.03% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.48% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.45% |
| ROGER GARZA3 | 2500 WILCREST #321 HOUSTON, TX 77042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.38% |
| VERNON R GATLIN3 | 412 MERCEDES ST STE E BENBROOK, TX 76126 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| PAMELA KAY POOLE3 Filed as: PAMELA K POOLE | 4701 ALTAMESA BLVD 2-M FT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD FT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 7.89% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 3.71% |
| JOHNATHAN M COPELAND3 | 4701 ALTAMESA BLVD 2-M FT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.70% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 5.58% |
| TIMOTHY D BROOKS3 | 2602 RIDGE RD STE 1 ROCKWALL, TX 75087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 3.19% |
| ROBIN A STARNES3 | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 2.79% |
| 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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 370 | $1.4M |
| Dental | BLUECROSS BLUESHIELD | 370 | $1.4M |
| Vision | EYEMED | 279 | $14K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 250 | $77K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 250 | $74K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 250 | $74K |
| Other(4 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 250 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.