| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR. STE 1000 PARK CENTRAL 7 DALLAS, TX 752516222 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $8.4M | $8.4M | 526.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $75 | $12K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 100 MATSONFORD RD 4 RADNOR CORPORATE CTR SUITE 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.01% |
| CAROLYN POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $7K | $214 | $7K | 9.10% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR D LANCASTER, TX 75146 | AFLAC | $2K | $186 | $2K | 2.87% |
| ANGELIGUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $1K | $76 | $2K | 1.97% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT SUITE 107 HURST, TX 76053 | AFLAC | $1K | — | $1K | 1.70% |
| PATRICIA R ALDAPE3 Filed as: PATRICIA ALDAPE | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $1K | — | $1K | 1.35% |
| KIM RUSH3 | 3015 WINTERSMITH DR ARLINGTON, TX 76014 | AFLAC | $829 | — | $829 | 1.05% |
| HAROLD W ELLIOTT LLC3 | 15838 S 1ST AVE PHOENIX, AZ 85045 | AFLAC | $332 | $54 | $386 | 0.49% |
| DONNA D LASKOSKIE3 Filed as: DONNA LASKOSKIE | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $206 | — | $206 | 0.26% |
| SUZANNE MCKINLEY3 | 523 BOB WHITE ST DESOTO, TX 75115 | AFLAC | $106 | $40 | $146 | 0.19% |
| CHRISTOPHER KOEHLER3 | 4301 WESTSIDE DR STE 200 DALLAS, TX 75209 | AFLAC | $134 | — | $134 | 0.17% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 8005 N VIA DE LAGO SCOTTSDALE, AZ 85258 | AFLAC | $124 | — | $124 | 0.16% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 119 KRISTIN DR ALEDO, TX 76008 | AFLAC | $120 | — | $120 | 0.15% |
| GARY WILLINGHAM3 | 6033 STRAFFIRD OAKS DR SEBRING, FL 33875 | AFLAC | $77 | — | $77 | 0.10% |
| WILLIMA MILLER3 | 7708 S RITA LN TEMPE, AZ 85284 | AFLAC | $58 | — | $58 | 0.07% |
| MELISSA B BOYLE3 Filed as: MELISSA BOYLE | 6300 E HAMDEN AVE STE C101 DENVER, CO 80222 | AFLAC | $44 | $11 | $55 | 0.07% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $53 | — | $53 | 0.07% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $42 | $6 | $48 | 0.06% |
| GLEN GABLE3 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $40 | $6 | $46 | 0.06% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $36 | — | $36 | 0.05% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $22 | $11 | $33 | 0.04% |
| STACY MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $28 | — | $28 | 0.04% |
| JUDY L EDWARDS3 Filed as: JUDY EDWARDS | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $27 | — | $27 | 0.03% |
| KATHY JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $22 | — | $22 | 0.03% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $17 | — | $17 | 0.02% |
| STEPHEN MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $15 | — | $15 | 0.02% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $15 | — | $15 | 0.02% |
| JASON ROBERTS3 | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $13 | — | $13 | 0.02% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $11 | — | $11 | 0.01% |
| DANIEL TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $9 | — | $9 | 0.01% |
| BRIDGET N ALDAPE3 Filed as: BRIDGET ALDAPE | 5540 CREEKRIDGE DR ARLINGTON, TX 76018 | AFLAC | $8 | — | $8 | 0.01% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $8 | — | $8 | 0.01% |
| SYLVIA DAVILA3 | 3536 DIXON AVE APT 103 DALLAS, TX 75210 | AFLAC | $4 | $4 | $8 | 0.01% |
| VICTOR RENTERIA3 | 20536 WIND SPGS SAN ANTONIO, TX 78258 | AFLAC | $5 | — | $5 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $5 | — | $5 | 0.01% |
| JARVEY MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS G MONTGOMERY3 Filed as: THOMAS MONTGOMERY | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $5 | — | $5 | 0.01% |
| T HOWDESHELL3 | 1405 SHANNON CIR GRANBURY, TX 76048 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $4 | — | $4 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTERAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $4 | — | $4 | 0.01% |
| ARIANNA BORNHOFT3 | 4077 W 3RD ST APT 420 LOS ANGELES, CA 90020 | AFLAC | $3 | — | $3 | 0.00% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE A OWEN3 Filed as: KATHERINE OWEN | 1924 ANTWERP AVE PLAN, TX 75025 | 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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 288 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $117K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $117K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $196K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.