| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | AETNA LIFE INSURANCE CO | $51K | $30 | $51K | 5.17% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.18% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | AFLAC | $803 | — | $803 | 4.82% |
| DAVID R FISHER3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | AFLAC | $516 | $15 | $531 | 3.19% |
| KATHY M RAWLS3 | PO BOX 381 EMORY, TX 75440 | AFLAC | $171 | — | $171 | 1.03% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $141 | — | $141 | 0.85% |
| KATHY M RAWLS3 | PO BOX 161734 FORT WORTH, TX 76161 | AFLAC | $16 | $15 | $31 | 0.19% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $29 | — | $29 | 0.17% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $13 | — | $13 | 0.08% |
| KYLE L CURBY3 | 429 JESSIE ST KELLER, TX 76248 | AFLAC | $8 | $3 | $11 | 0.07% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $7 | $3 | $10 | 0.06% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE #114 GRAPEVINE, TX 76051 | AFLAC | $6 | — | $6 | 0.04% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $4 | $0 | $4 | 0.02% |
| TAMMI LAVOICE COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $3 | $0 | $3 | 0.02% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | $0 | $3 | 0.02% |
| DONNA D LASKOSKIE3 | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $3 | $0 | $3 | 0.02% |
| DEREK P SMITH3 | 801 PANORAMA DR DRIPPING SPRINGS, TX 78620 | AFLAC | $3 | — | $3 | 0.02% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $2 | $0 | $2 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 176 | $987K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $107K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $107K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $107K |
| Other | AFLAC | 14 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.