| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR. STE 1000 DALLAS, TX 752516222 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $68K | $81K | 4.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HIGHTS, IL 600063009 | UNITED HEALTHCARE INSURANCE COMPANY | — | $962 | $962 | 0.05% |
| CHRISTOPHER JOHNSON3 | 2208 LANDMARK CT APT 101 ARLINGTON, TX 76013 | AFLAC | $76K | $16K | $92K | 103.26% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $2K | $17K | $19K | 21.69% |
| CAROLYN R POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $7K | $784 | $8K | 8.53% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR. D LANCASTER, TX 75146 | AFLAC | $3K | $1K | $4K | 3.99% |
| BRUCE E GRIFFIN3 | 3803 MAHONIA WAY STE 1916 ARLINGTON, TX 76014 | AFLAC | $982 | — | $982 | 1.10% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $666 | — | $666 | 0.74% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBOCKX, TX 79423 | AFLAC | $500 | — | $500 | 0.56% |
| FRANCISCO J LARA3 | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $244 | — | $244 | 0.27% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $222 | — | $222 | 0.25% |
| DONNA D LASKOSKIE3 | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $192 | — | $192 | 0.21% |
| MICHELE R HAYES3 | PO BOX 150781 ARLINGTON, TX 76015 | AFLAC | $85 | $91 | $176 | 0.20% |
| CHRISTOPHER KOEHLER3 | 4301 WESTSIDE DR STE 200 DALLAS, TX 75209 | AFLAC | $124 | — | $124 | 0.14% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 9191 N 117TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $119 | — | $119 | 0.13% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 119 KRISTIN DR ALEDO, TX 76008 | AFLAC | $117 | — | $117 | 0.13% |
| DAVID A. RACKLIFFE3 Filed as: DAVID CRABTREE | PO BOX 2112 MABANK, TX 75147 | AFLAC | $87 | — | $87 | 0.10% |
| BRIDGET N ALDAPE3 | 5540 CREEKRIDGE DR ARLINGTON, TX 76018 | AFLAC | $75 | — | $75 | 0.08% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $74 | — | $74 | 0.08% |
| HAROLD W ELLIOTT LLC3 Filed as: HAROLD W ELLIOT LLC | 15838 S 1ST AVE PHOENIX, AZ 85045 | AFLAC | $62 | — | $62 | 0.07% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $55 | $3 | $58 | 0.06% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $29 | — | $29 | 0.03% |
| STACY MASSI3 Filed as: STACY M MASSI | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $28 | — | $28 | 0.03% |
| JUDY L EDWARDS3 | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $24 | — | $24 | 0.03% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $22 | — | $22 | 0.02% |
| MELISSA B BOYLE3 | 4125 E WILDWOOD DR PHEONIX, AZ 85048 | AFLAC | $18 | — | $18 | 0.02% |
| WILLIAM BRENT MILLER3 | 7708 S RITA LN TEMPE, AZ 85284 | AFLAC | $15 | — | $15 | 0.02% |
| STEPHEN P MASSI3 | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $11 | — | $11 | 0.01% |
| JEFFERY S GIBSON3 | 200 W WELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $8 | — | $8 | 0.01% |
| DANIEL J TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $8 | — | $8 | 0.01% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85507 | AFLAC | $8 | — | $8 | 0.01% |
| TODD A STULL3 Filed as: TODD A STULLER | 810 S MASON RD STE 102 KATY, TX 77450 | AFLAC | $7 | — | $7 | 0.01% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CAROLLTON, TX 75006 | AFLAC | $7 | — | $7 | 0.01% |
| JASON ROBERTS3 Filed as: JASON R ROBERTS | 2325 WHITMAN LN FLOWER MOUNT, TX 75028 | AFLAC | $7 | — | $7 | 0.01% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $4 | — | $4 | 0.00% |
| HARVEY EDWARD MCCREARY JR3 | 173 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $4 | — | $4 | 0.00% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75005 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHEN P MASSI3 | 24306 SCHIVENER HOUSE LN KATY, TX 77493 | AFLAC | $4 | — | $4 | 0.00% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $3 | — | $3 | 0.00% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 11.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 12750 MERIT DR STE 1000 DALLAS, TX 752511200 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $1K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $782 | $782 | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.01% |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 425 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $38K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 347 | $127K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.