| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS M. ESARTE3 | 1300 NORTH CUSTER ROAD SUITE 4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 9.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 16H FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 8.80% |
| EDUARDO REYNA3 | 1200 JASMINE STREET LANTANA, TX 76226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 4.39% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| NANCY E ODOM3 Filed as: NANCY E. ODOM | 5810 SMOKE GLASS TRAIL DALLAS, TX 75252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P. EVANS, JR. | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $810 | — | $810 | 0.35% |
| MJ INSURANCE3 Filed as: GARY C. KLEIN AND VARIOUS AGENTS | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $741 | — | $741 | 0.32% |
| RICK A. HAWKINS3 | 4649 COURTYARD TRAIL PLANO, TX 75024 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: U.S. NATIONAL BENEFIT PARTNERS | 23282 MILL CREEK DRIVE, SUITE 390 LAGUNA HILLS, CA 92653 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.10% |
| ELM STREET CAPITAL LLC3 Filed as: ELM STREET CAPITAL, LLC | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | EYEMED VISION CARE | $9K | — | $9K | 5.92% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 430 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $13K | $761 | $13K | 10.61% |
| KIRK WYATT JOHNSON3 | 12700 PARK CENTRAL DRIVE 17TH FLOOR DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.03% |
| LIBERTY INSURANCE ASSOC. INC.3 | 525 ROUTE 33 MILLSTONE TWP, NJ 08535 | STANDARD INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.53% |
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 | 1,814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 1,354 | $157K |
| Dental | AETNA LIFE INSURANCE COMPANY | 330 | $44K |
| Vision | EYEMED VISION CARE | 3,132 | $155K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,814 | $737K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,814 | $737K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,814 | $862K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,984 | $965K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,132 | — |
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.