| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76180 | BLUE CROSS BLUE SHIELD OF TEXAS | $47K | $1 | $47K | 4.58% |
| ROGERS BENEFIT GROUP INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $13K | — | $13K | 1.28% |
| CALLOWAY'S NURSERY, INC. | 9003 AIRPORT FREEWAY SUITE G350 NORTH RICHLAND HILLS, TX 76180 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 12.79% |
| DAVID R FISHER | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $602 | — | $602 | 4.58% |
| GBC BENEFITS LTD | 2409 FOREST PARK BLVD FL 2 FORT WORTH, TX 76110 | AFLAC | $571 | — | $571 | 4.34% |
| KATHY M RAWLS | 1604 N HILLS BLVD APT 5204 HURST, TX 76053 | AFLAC | $188 | — | $188 | 1.43% |
| DARRELL L HOLLEY | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $107 | — | $107 | 0.81% |
| PATRICIA R ALDAPE | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $29 | — | $29 | 0.22% |
| JOHN M JOHNSON | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $26 | — | $26 | 0.20% |
| JOSHUA J CONTRERAS | 4253 CARLTON WAY APT 1143 IRVING, TX 75038 | AFLAC | $24 | — | $24 | 0.18% |
| MARCO JOE KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $12 | — | $12 | 0.09% |
| MARY L WILLIAMS | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $6 | — | $6 | 0.05% |
| RICHARD WESTERMAYER | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $6 | — | $6 | 0.05% |
| LINDA A LECIEJEWSKI Filed as: LINDA LECIEJEWSKI | 1327 SPIRIT FALLS DR FRISCO, TX 75033 | AFLAC | $5 | — | $5 | 0.04% |
| KYLE L CURBY | 429 JESSIE ST KELLER, TX 76248 | AFLAC | $5 | — | $5 | 0.04% |
| ROBERT SHEPARD COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $4 | — | $4 | 0.03% |
| DONNA D LASKOSKIE | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $4 | — | $4 | 0.03% |
| DEREK P SMITH | 801 PANORAMA DR DRIPPING SPRINGS, TX 78620 | AFLAC | $4 | — | $4 | 0.03% |
| DARON H PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | — | $3 | 0.02% |
| KATHERINE A OWEN | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $2 | — | $2 | 0.02% |
| TAMMI LAVOICE COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $1 | — | $1 | 0.01% |
| SHELLY WIEGAND | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $0 | — | $0 | 0.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 166 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $113K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $113K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $113K |
| Other | AFLAC | 9 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.