| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VONDA OLDHAM CAPO3 Filed as: VONDA MCFARLAND | 1617 ORCHARD LANE LINDALE, TX 75771 | UNITED HEALTHCARE INSRUANCE COMPANY | $8K | $140K | $148K | 7.64% |
| VONDA OLDHAM CAPO3 Filed as: VONDA MCFARLAND | 1617 ORCHARD LN HIDEAWAY, TX 75771 | MANHATTAN LIFE | $18K | — | $18K | 20.60% |
| VONDA OLDHAM CAPO3 Filed as: VONDA MCFARLAND | 1617 ORCHARD LANE HIDEAWAY, TX 75771 | AFLAC | $255 | — | $255 | 5.18% |
| JOHN JEFFERY TALMAGE3 | 7836 COTTONWOOD DR GREENVILLE, TX 75402 | AFLAC | $110 | — | $110 | 2.23% |
| DAVID DOUG TALMAGE3 | PO BOX 8863 GREENVILLE, TX 75404 | AFLAC | $62 | — | $62 | 1.26% |
| ROBERT BRANDON3 | 305 COUNTY RD 3203 QUITMAN, TX 75783 | AFLAC | $15 | — | $15 | 0.30% |
| MATTHEW D HODGES3 Filed as: MATTHEW HODGES | 605 N MOTLEY DR OVERTON, TX 75684 | AFLAC | $11 | — | $11 | 0.22% |
| RODNEY WATKINS3 | PO BOX 700 MINEOLA, TX 75773 | AFLAC | $6 | — | $6 | 0.12% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 101 N JEFFERSON ST 305 MEXICO, MO 65265 | AFLAC | $6 | — | $6 | 0.12% |
| JEANNETTE FATHERREE3 | 171 COUNTY RD 1559 ALBA, TX 75410 | AFLAC | $5 | — | $5 | 0.10% |
| ADAM SCOTT3 | 352 ZAMBEZI LN BULLARD, TX 75757 | AFLAC | $4 | — | $4 | 0.08% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $1 | — | $1 | 0.02% |
| POWELL A JOHNSON III3 Filed as: POWELL JOHNSON III | 9074 ELM TREE CIR TYLER, TX 75703 | AFLAC | — | — | $0 | 0.00% |
| JARED N JONES3 Filed as: JARED JONES | 6902 RANCH FOREST DR COLUMBUS, GA 31904 | AFLAC | — | — | $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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSRUANCE COMPANY | 361 | $1.9M |
| Dental | UNITED HEALTHCARE INSRUANCE COMPANY | 361 | $1.9M |
| Vision | UNITED HEALTHCARE INSRUANCE COMPANY | 361 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | MANHATTAN LIFE | 84 | $92K |
| Long-term disability(2 contracts, 2 carriers) | MANHATTAN LIFE | 84 | $92K |
| Other(2 contracts, 2 carriers) | MANHATTAN LIFE | 84 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.