| 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 | — | $73K | $73K | 4.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HIGHTS, IL 600063009 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $54 | $16K | 11.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 1111 SUPERIOR AVE E STE 160 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR D LANCASTER, TX 75146 | AFLAC | $189K | — | $189K | — |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 8005 N VIA DE LAGO SCOTTSDALE, AZ 85258 | AFLAC | $12K | — | $12K | — |
| CAROLYN R POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $12K | $394 | $12K | — |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $3K | — | $3K | — |
| CHRISTOPHER JOHNSON3 | 2208 LANDMARK CT APT 101 ARLINGTON, TX 76013 | AFLAC | $3K | $1 | $3K | — |
| RUCE E GRIFIN3 | 3803 MAHONIA WAY STE 1916 ARLINGTON, TX 76014 | AFLAC | $1K | — | $1K | — |
| MICHELE R HAYES3 | PO BOX 15781 ARLINGTON, TX 76015 | AFLAC | $1K | — | $1K | — |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBOCKX, TX 79423 | AFLAC | $661 | $87 | $748 | — |
| SUZETTE GOULD3 Filed as: SUZETTE GOULDE | 1245 SOUTHRIDGE CT STE 107 HURSTURY, TX 76053 | AFLAC | $284 | $87 | $371 | — |
| DONNA D LASKOSKIE3 | 4515 WILWOOD CIR GRANBURY, TX 76049 | AFLAC | $204 | — | $204 | — |
| CHRISTOPHER KOEHLER3 Filed as: CHRISTOPHER R KOELER | 4301 WESTSIDE D STE 200 DALLAS, TX 75209 | AFLAC | $132 | — | $132 | — |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 119 KRISTIN DR ALEDO, TX 76008 | AFLAC | $126 | — | $126 | — |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $112 | — | $112 | — |
| HAROLD W ELLIOTT LLC3 | 15838 S 1ST AVE PHOENIX, AZ 85045 | AFLAC | $72 | $17 | $89 | — |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $76 | — | $76 | — |
| MARCO JOE KLIMEK3 | 151 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $55 | — | $55 | — |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 WNORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $33 | — | $33 | — |
| STACY MASSI3 Filed as: STACY M MASSI | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $28 | — | $28 | — |
| JUDY L EDWARDS3 Filed as: JUDY EDWARDS | PO BOX 67 GRABURY, TX 76048 | AFLAC | $27 | — | $27 | — |
| BRIDGET N ALDAPE3 | 5540 CREEKRIDGE DR ARLINGTON, TX 76018 | AFLAC | $23 | — | $23 | — |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $22 | — | $22 | — |
| WILLIAM BRENT MILLER3 | 7708 S RITA LN TEMPE, AZ 85284 | AFLAC | $17 | $3 | $20 | — |
| STEPHEN P MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $15 | — | $15 | — |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85042 | AFLAC | $11 | $3 | $14 | — |
| JASON ROBERTS3 Filed as: JASON R ROBERTS | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $12 | — | $12 | — |
| MELISSA B BOYLE3 | 2032 E GWEN ST PHEONIX, AZ 85042 | AFLAC | $10 | — | $10 | — |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR. CAROLLTON, TX 75006 | AFLAC | $10 | — | $10 | — |
| DANIEL J TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $9 | — | $9 | — |
| DODD A STULL3 | 810 S MASON RD STE 102 KATY, TX 77415 | AFLAC | $8 | — | $8 | — |
| JEFFERY S GIBSON3 | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | — |
| MELISSA B BOYLE3 | 6300 E HAMPDEN AVE STE C101 DENVER, CO 80222 | AFLAC | $7 | — | $7 | — |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $5 | — | $5 | — |
| GLEN DOUGLAS GABLE3 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $5 | — | $5 | — |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $5 | — | $5 | — |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $4 | — | $4 | — |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $4 | — | $4 | — |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $3 | — | $3 | — |
| VICTOR RENTERIA3 Filed as: VICTOR MANUEL RENTERIA | 20536 WIND SPRGS SAN ANTONIO, TX 78258 | AFLAC | $3 | — | $3 | — |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $2 | — | $2 | — |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $2 | — | $2 | — |
| JEFFERY S GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALEN, VA 23060 | AFLAC | $1 | — | $1 | — |
| KATHERINE A OWEN3 Filed as: KATHERINE OWEN | 1924 ANTWERP AVE PLAN, TX 75025 | AFLAC | $1 | — | $1 | — |
| T HOWDESHELL3 | 1405 SHANNON CIR GRANBURY, TX 76048 | AFLAC | — | — | $0 | — |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 296 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $141K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $141K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $141K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.