| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $59K | $67K | 5.63% |
| DEIRDRE A GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $2K | $83 | $2K | 2.93% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $981 | — | $981 | 1.55% |
| LAUREN ASHLEY GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $605 | — | $605 | 0.95% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $447 | — | $447 | 0.70% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $416 | — | $416 | 0.66% |
| HOMER J CORTEZ3 | 1612 FOREST BEND LN KELLER, TX 76248 | AFLAC | $378 | — | $378 | 0.60% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DR FRISCO, TX 75035 | AFLAC | $320 | — | $320 | 0.50% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $305 | — | $305 | 0.48% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $102 | — | $102 | 0.16% |
| LOGAN CHEADLE3 | 14901 QUORUM DR STE 850 DALLAS, TX 75254 | AFLAC | $82 | $19 | $101 | 0.16% |
| ROSANNA SINGH3 | 11120 CUTTY SARK DR EL PASO, TX 79936 | AFLAC | $90 | — | $90 | 0.14% |
| CUAHUTEMOC EQUIHUA-CARDENAS3 | 1504 CEDARBIRD DR LITTLE ELM, TX 75068 | AFLAC | $70 | — | $70 | 0.11% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $43 | $19 | $62 | 0.10% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $53 | — | $53 | 0.08% |
| CHRISTINA LOUISE ALMANZA3 | 1420 RIDGECREST DR LITTLE ELM, TX 75068 | AFLAC | $49 | — | $49 | 0.08% |
| LAUREN GREENWOOD3 Filed as: LAUREN S GREENWOOD | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $43 | — | $43 | 0.07% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $38 | — | $38 | 0.06% |
| ANGELIQUE N LILES3 | 9101 HURON AVE LUBBOCK, TX 79424 | AFLAC | $38 | — | $38 | 0.06% |
| VERONICA HEDGES3 | 3833 DUNN RD EASTOVER, NC 28312 | AFLAC | $37 | — | $37 | 0.06% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $31 | — | $31 | 0.05% |
| WENDY M SHELLY3 | 9947 CORBRIDGE ST LAS VEGAS, NV 89178 | AFLAC | $26 | — | $26 | 0.04% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W STE 620 EL PASO, TX 79925 | AFLAC | $23 | — | $23 | 0.04% |
| MEGAN L GONZALEZ3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $22 | — | $22 | 0.03% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $22 | — | $22 | 0.03% |
| CELESTE DIMITRA PULLIAS3 | 44621 JOY CHAPEL RD HOLLYWOOD, MD 20636 | AFLAC | $20 | — | $20 | 0.03% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $20 | — | $20 | 0.03% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $18 | — | $18 | 0.03% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $12 | — | $12 | 0.02% |
| PATRICIA H SMITH3 | 7200 PRESTON RD APT 214 PLANO, TX 75024 | AFLAC | $12 | — | $12 | 0.02% |
| SHARYL K BATHE3 Filed as: SHARYL K JUNEAU | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $11 | — | $11 | 0.02% |
| ELIZABETH F HARKEY3 | 6152 VILLAGE DR NW CHARLOTTE, NC 28202 | AFLAC | $10 | — | $10 | 0.02% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $10 | — | $10 | 0.02% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $8 | — | $8 | 0.01% |
| NORA GARCIA ELLEDGE3 | 199 COVE DR COPPELL, TX 75019 | AFLAC | $8 | — | $8 | 0.01% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.01% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $5 | — | $5 | 0.01% |
| ERIC J LEGER3 | 623 E 7TH 1/2 ST HOUSTON, TX 77007 | AFLAC | $2 | — | $2 | 0.00% |
| KAREN LYNN GRACZYK3 | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $2 | — | $2 | 0.00% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW M GARCIA3 | 906 CARMEL PRKWY CORPUS CHRISTI, TX 78411 | AFLAC | $1 | — | $1 | 0.00% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $1 | — | $1 | 0.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 11.69% |
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 | 124 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 464 | $117K |
| Short-term disability | AFLAC | 69 | $63K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $54K |
| Other(2 contracts, 2 carriers) | AFLAC | 464 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.