| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIID ALAN BURGER3 | — | BLUECROSS BLUESHIELD OF TEXAS | $55K | — | $55K | 4.87% |
| MARSHALL R BERKLEY3 Filed as: MARSHALL BERKLEY | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $4K | $368 | $5K | 6.02% |
| DAVID BURGER3 | 811 MUIRFIELD DR MANSFIELD, TX 76063 | AFLAC | $2K | $64 | $2K | 2.93% |
| CUAHUTEMOC EQUIHUA-CARDENAS3 | 325 E MCKINNEY ST PILOT POINT, TX 76258 | AFLAC | $1K | — | $1K | 1.91% |
| HOMER J CORTEZ3 Filed as: HOMER CORTEZ | 862 CHESHIRE DR COPPELL, TX 75019 | AFLAC | $1K | $28 | $1K | 1.39% |
| LAUREN GREENWOOD3 | 13607 SEASTONE LN PINEVILLE, NC 28134 | AFLAC | $780 | — | $780 | 1.04% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $623 | — | $623 | 0.83% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 4253 HUNT DR APT 1607 CARROLLTON, TX 75010 | AFLAC | $515 | $33 | $548 | 0.73% |
| DEIRDRE A GIBSON3 Filed as: DEIRDRE GIBSON | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $523 | — | $523 | 0.70% |
| CRAIG S DAVIES3 Filed as: CRAIG DAVIES | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $504 | — | $504 | 0.67% |
| VICTORIA EQUIHUA3 | 325 E MCKINNEY ST PILOT POINT, TX 76258 | AFLAC | $333 | — | $333 | 0.44% |
| T HOWDESHELL3 | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $238 | $50 | $288 | 0.38% |
| T HOWDESHELL3 | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $238 | $49 | $287 | 0.38% |
| ROSANNA SINGH3 | 11120 CUTTY SARK DR EL PASO, TX 79936 | AFLAC | $285 | — | $285 | 0.38% |
| HENRY J VIGIL3 Filed as: HENRY VIGIL | 8100 GAYLORD PKWY APT 1125 FRISCO, TX 75034 | AFLAC | $264 | — | $264 | 0.35% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $253 | — | $253 | 0.34% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE LILES | 4025 WOODLAND PARK BLVD STE 180 ARLINGTON, TX 76013 | AFLAC | $125 | $54 | $179 | 0.24% |
| STEPHEN CORTEZ3 | 862 CHESHIRE DR COPPELL, TX 75019 | AFLAC | $169 | — | $169 | 0.22% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 3301 AIRPORT FWY STE 324 BEDFORD, TX 76021 | AFLAC | $129 | — | $129 | 0.17% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $120 | $6 | $126 | 0.17% |
| AVERSIN FIN ASSOCIATES LLC3 | 2824 NAPLES DR HURST, TX 76054 | AFLAC | $125 | — | $125 | 0.17% |
| CHRISTINA LOUISE ALMANZA3 Filed as: CHRISTINA ALMANZA | 10644 LIMAS DR EL PASO, TX 79935 | AFLAC | $102 | — | $102 | 0.14% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $72 | $30 | $102 | 0.14% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $93 | — | $93 | 0.12% |
| WENDY M SHELLY3 Filed as: WENDY SHELLY | 3355 S TOWN CENTER DR APT 2001 LAS VEGAS, NV 89135 | AFLAC | $68 | $5 | $73 | 0.10% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W STE 620 EL PASO, TX 79925 | AFLAC | $69 | — | $69 | 0.09% |
| ELIZABETH HARKEY3 | 501 N CHURCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $29 | $6 | $35 | 0.05% |
| CELESTE DIMITRA PULLIAS3 Filed as: CELESTE PULLIAS | 44621 JOY CHAPEL ROAD HOLLYWOOD, MD 20636 | AFLAC | $32 | — | $32 | 0.04% |
| DAVID BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $26 | — | $26 | 0.03% |
| PATRICIA H SMITH3 Filed as: PATRICIA SMITH | 7200 PRESTON RD APT 214 PLANO, TX 75024 | AFLAC | $25 | — | $25 | 0.03% |
| LOUIE ALMANZA3 | 5959 GATEWAY BLVD W STE 655 EL PASO, TX 79925 | AFLAC | $24 | — | $24 | 0.03% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $22 | $1 | $23 | 0.03% |
| NORA GARCIA ELLEDGE3 Filed as: NORA ELLEDGE | 199 COVE DRIVE COPPELL, TX 75019 | AFLAC | $22 | — | $22 | 0.03% |
| CRAIG ANTHONY DELMAN3 Filed as: CRAIG DELMAN | 2012 PASEO DEL PRADO DR EL PASO, TX 79936 | AFLAC | $21 | — | $21 | 0.03% |
| MEGAN L GONZALEZ3 Filed as: MEGAN GONZALEZ | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $20 | — | $20 | 0.03% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $17 | — | $17 | 0.02% |
| SHARYL BATHE3 | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $17 | — | $17 | 0.02% |
| JEFF DALABA3 Filed as: JEFF CLACK | 505 S MAIN ST STE 150 LAS CRUCES, NM 88001 | AFLAC | $13 | — | $13 | 0.02% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.02% |
| LILIA MARIA CLACK3 Filed as: LILIA CLACK | 10621 CAUSEWAY DR EL PASO, TX 79935 | AFLAC | $11 | — | $11 | 0.01% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $9 | — | $9 | 0.01% |
| LOIS VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $9 | — | $9 | 0.01% |
| SERGIO ACUNA3 | 4130 RIO BRAVO ST STE A100 EL PASO, TX 79902 | AFLAC | $8 | — | $8 | 0.01% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $8 | — | $8 | 0.01% |
| WILMA GALE JOHNSON3 Filed as: WILMA JOHNSON | 4100 ELDORADO PKWY STE 100387 MCKINNEY, TX 75070 | AFLAC | $8 | — | $8 | 0.01% |
| KENNETH MICHAEL BENNETT3 Filed as: KENNETH BENNETT | 5826 NEW TERRITORY BLVD 730 SUGAR LAND, TX 77479 | AFLAC | $6 | — | $6 | 0.01% |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 5959 GATEWAY BLVD W STE 655 EL PASO, TX 79925 | AFLAC | $6 | — | $6 | 0.01% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $5 | — | $5 | 0.01% |
| ERIC LEGER3 | 10400 ACADEMY RD NE STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $4 | — | $4 | 0.01% |
| STEVE WHITTEN3 Filed as: STEVE WHITTON | 7606 UNIVERSITY AVE STE D LUBBOCK, TX 79423 | AFLAC | $4 | — | $4 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $4 | — | $4 | 0.01% |
| JASON ROBERTS3 | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $2 | $2 | $4 | 0.01% |
| DAVID MORNINGSTAR3 | 1125 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $3 | — | $3 | 0.00% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $1 | $1 | $2 | 0.00% |
| KAREN LYNN GRACZYK3 Filed as: KAREN GRACZYK | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS JR | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.00% |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | P O BOX 310 SANTA FE, NM 87504 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID BURGER3 Filed as: DAVID A BURGER | P.O.BOX 170359 P.O.BOX 170359 ARLINGTON, TX 76003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.78% |
| LILJENWALL-KANE DBA THE FIN PR3 | 4130 SPICEWOOD SPRINGS RD SUITE 200 AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.01% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
| DAVID BURGER3 Filed as: DAVID A BURGER | 811 MUIRFIELD DR MANSFIELD, TX 760633816 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.88% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 205 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $61K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 212 | $88K |
| Short-term disability | AFLAC | 102 | $75K |
| Other(2 contracts, 2 carriers) | AFLAC | 212 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.