| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H KRANTZ III3 Filed as: JOHN H. KRANTZ, III | 6600 LBJ FREEWAY, SUITE 220 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $4K | $4K | $8K | 10.19% |
| STEVEN B KEMPTON3 Filed as: STEVEN B. KEMPTON | 4912 DERBYSHIRE DRIVE MCKINNEY, TX 75070 | AFLAC | $5K | $1K | $6K | 8.18% |
| HENRY JOHN KRANTZ, III3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | AFLAC | $2K | $0 | $2K | 2.61% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C. COVINGTON | 1750 WINDY HILL LANE PROSPER, TX 75078 | AFLAC | $1K | $287 | $2K | 2.18% |
| BARBARA MCALLASTER3 | 9863 WAKE BRIDGE DRIVE FRISCO, TX 75035 | AFLAC | $828 | $593 | $1K | 2.04% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANY AND AGENTS | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | AFLAC | $855 | $0 | $855 | 1.23% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPNAY | 2133 LURAY AVENUE CINCINNATI, OH 45206 | AFLAC | $849 | $0 | $849 | 1.22% |
| SCHROEDER SERVICES GROUP LLC3 Filed as: SCHROEDER SERVICES GROUP, LLC | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $791 | $0 | $791 | 1.14% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPNAY | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $665 | $3K | 19.69% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REDBRICK HEALTH CORPORATION | 369 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 382 | $27K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $96K |
| Short-term disability | AFLAC | 54 | $70K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $96K |
| Other(3 contracts, 3 carriers) | AFLAC | 369 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
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.