| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FWY SUITE 400 DALLAS, TX 752406222 | UNITED HEALTHCARE INSURANCE COMPANY | — | $101K | $101K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $41 | $16K | 10.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.25% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR D LANCASTER, TX 75146 | AFLAC | $10K | $446 | $11K | 8.95% |
| CAROLYN POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $8K | $333 | $9K | 7.22% |
| PATRICIA R ALDAPE3 Filed as: PATRICIA ALDAPE | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $4K | $209 | $4K | 3.53% |
| ANGELIGUE N LILES3 | 4025 WOODLAND PARK BLVD SUITE 180 ARLINGTON, TX 76013 | AFLAC | $2K | $165 | $3K | 2.16% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $843 | $22 | $865 | 0.73% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 7416 ROLLING HILLS DR BENBROOK, TX 76126 | AFLAC | $312 | $0 | $312 | 0.26% |
| DONNA D LASKOSKIE3 Filed as: DONNA LAKOSKIE | 4515 WILDWOOD CIR GRANDBURY, TX 76049 | AFLAC | $275 | — | $275 | 0.23% |
| CHRISTOPHER KOEHLER3 Filed as: CHRISTOPHER KOELER | 4301 WESTSIDE DR#200 DALLAS, TX 75209 | AFLAC | $181 | $0 | $181 | 0.15% |
| GLEN GABLE3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $171 | $4 | $175 | 0.15% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 6738 N 79TH PL. SCOTTSDALE, AZ 85250 | AFLAC | $166 | — | $166 | 0.14% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $125 | — | $125 | 0.11% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $100 | — | $100 | 0.08% |
| GARRY WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $97 | — | $97 | 0.08% |
| KATHY JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $67 | — | $67 | 0.06% |
| STACY MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $44 | $16 | $60 | 0.05% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $45 | $9 | $54 | 0.05% |
| JUDY L EDWARDS3 | PO BOX 66 BURLESON, TX 76097 | AFLAC | $53 | — | $53 | 0.04% |
| BRYAN TUCKER3 | 24654 NORTHLAKE PLEASANT PKWY 103-4658 PEORIA, AZ 85383 | AFLAC | $32 | — | $32 | 0.03% |
| KATHY LEE BRIGHT3 Filed as: KATHY BRIGHT | 788 E PEPPER DR CASA GRANDE, AZ 85122 | AFLAC | $26 | — | $26 | 0.02% |
| BRITTON JOHNSON3 | 1069 W BROAD ST STE 153 FALLS CHURCH, VA 22046 | AFLAC | $23 | — | $23 | 0.02% |
| STEPHEN MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $17 | $3 | $20 | 0.02% |
| PATRICIA GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $17 | — | $17 | 0.01% |
| VICTOR RENTERIA3 | 20536 WIND SPRINGS SAN ANTONIO, TX 78258 | AFLAC | $13 | — | $13 | 0.01% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 5924 BALFOUR CT STE 100 CARLESBAD, CA 92008 | AFLAC | $4 | $9 | $13 | 0.01% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 3755 NORTH BUSINESS CENTRE DR STE 4 TUCSON, AZ 85705 | AFLAC | $12 | — | $12 | 0.01% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S STE 510 HUSTON, TX 77070 | AFLAC | $9 | $3 | $12 | 0.01% |
| JASON ROBERTS3 | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $4 | $8 | $12 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $2 | $10 | $12 | 0.01% |
| NATALIE MALHAM3 Filed as: NATALIE MELHAM | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $11 | — | $11 | 0.01% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD SUITE 100 LAS VEGAS, NV 89118 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHEONIX, AZ 85027 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS G MONTGOMERY3 Filed as: THOMAS MONTGOMERY | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $4 | — | $4 | 0.00% |
| STEVEN PAYTON3 | 802 WINDCREST DR KELLER, TX 76248 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $4 | — | $4 | 0.00% |
| DANIEL TAYLOR3 | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $3 | — | $3 | 0.00% |
| T HOWDESHELL3 | 2400 STATE HIGHWAY 121 APT 2403 EULESS, TX 76039 | AFLAC | $3 | — | $3 | 0.00% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $2 | — | $2 | 0.00% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $2 | — | $2 | 0.00% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE A OWEN3 Filed as: KATHERINE OWEN | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFERY KLEINMAN SR3 | 3420 E SHEA BLVD STE 168 PHEONIX, AZ 85028 | AFLAC | $1 | — | $1 | 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 | 70 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 369 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $148K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $148K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $267K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.