| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VONDA OLDHAM CAPO3 Filed as: VONDA CAPO | 1617 ORCHARD LANE LINDALE, TX 75771 | BLUE CROSS BLUE SHIELD OF TEXAS | $77K | — | $77K | 5.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FREEWAY DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD OF TEXAS | $19K | — | $19K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALLNUT HILL LN 17 FLOOR DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $2K | $2K | 0.12% |
| JOHN BRADLEY MCFARLAND3 | 15307 FM 16 W APT E208 LINDALE, TX 75771 | AFLAC | $15K | $220 | $15K | 18.74% |
| VONDA OLDHAM CAPO3 Filed as: VONDA CAPO | 1617 ORCHARD LANE LINDALE, TX 75771 | AFLAC | $14K | — | $14K | 17.84% |
| JOHN JEFFERY TALMAGE3 | 7009 TURNBERRY DR CLEBURNE, TX 76033 | AFLAC | $7K | $430 | $7K | 9.25% |
| DAVID DOUG TALMAGE3 | PO BOX 8863 GREENVILLE, TX 75404 | AFLAC | $4K | — | $4K | 5.58% |
| ROBERT BRANDON3 | 305 COUNTY RD 3203 QUITMAN, TX 75783 | AFLAC | $39 | — | $39 | 0.05% |
| MATTHEW D HODGES3 Filed as: MATTHEW HODGES | 605 N MOTLEY DR OVERTON, TX 75684 | AFLAC | $30 | — | $30 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M DOWNES | 1109 RIDGEVIEW DR HEWITT, TX 76643 | AFLAC | $24 | — | $24 | 0.03% |
| CAROLYN ANN MCLAUGHLIN3 Filed as: CAROLYN MCLAUGHLIN | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $19 | — | $19 | 0.02% |
| LEWIS-WATKINS-FARMER AGCY INC3 Filed as: LEWIS WATKINS FARMER AGCY | PO BOX 700 MINEOLA, TX 75773 | AFLAC | $17 | — | $17 | 0.02% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 101 N JEFFERSON ST 305 MEXICO, MO 65265 | AFLAC | $15 | — | $15 | 0.02% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $11 | — | $11 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY RD 1559 ALBA, TX 75410 | AFLAC | $8 | — | $8 | 0.01% |
| JERRY THOMAS3 | 5202 YACHT CLUB DR ROCKWALL, TX 75032 | AFLAC | $8 | — | $8 | 0.01% |
| JAMES F CHRISTENSEN3 Filed as: JAMES CHRISTENSEN | 1200 14TH AVE W SPENCER, IA 51301 | AFLAC | $7 | — | $7 | 0.01% |
| GUY HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $5 | — | $5 | 0.01% |
| BARRY CAMPBELL3 | 2798 COUNTY RD 80 ALGER, OH 45812 | AFLAC | $4 | — | $4 | 0.00% |
| CRAIG R TURNER3 Filed as: CRAIG TURNER | 310 E INTERSTATE 30 STE 302 GARLAND, TX 75043 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN DEE MAULDIN3 | 4116 KENTHIRE LN DALLAS, TX 75287 | AFLAC | $1 | — | $1 | 0.00% |
| POWELL A JOHNSON III3 Filed as: POWELL JOHNSON III | 9074 ELM TREE CIR TYLER, TX 75703 | AFLAC | — | $1 | $1 | 0.00% |
| PAUL GILMORE3 | 4844 GOLFSIDE DR FRISCO, TX 75035 | AFLAC | $1 | — | $1 | 0.00% |
| JARED N JONES3 Filed as: JARED JONES | 6902 RANCH FOREST DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| VONDA OLDHAM CAPO3 Filed as: VONDA CAPO | 1617 ORCHARD LANE LINDALE, TX 75771 | HARTFORD LIFE & ACCIDENT | $4K | — | $4K | 10.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE & ACCIDENT | — | $2K | $2K | 5.43% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 285 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 285 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF TEXAS | 285 | $1.4M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 267 | $35K |
| Short-term disability | AFLAC | 148 | $80K |
| Long-term disability | AFLAC | 148 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 285 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 267 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.