| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN B KEMPTON3 Filed as: STEVEN B. KEMPTON | 4912 DERBYSHIRE DRIVE MCKINNEY, TX 75070 | AFLAC | $3K | — | $3K | 4.66% |
| SCHROEDER SERVICES GROUP LLC3 Filed as: SCHROEDER SERVICES GROUP, LLC | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $1K | $385 | $2K | 2.72% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPNAY | 2133 LURAY AVENUE CINCINNATI, OH 45206 | AFLAC | $1K | — | $1K | 2.43% |
| HENRY JOHN KRANTZ, III3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | AFLAC | $1K | — | $1K | 1.75% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C. COVINGTON | 1750 WINDY HILL LANE PROSPER, TX 75078 | AFLAC | $826 | — | $826 | 1.35% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANY AND AGENTS | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | AFLAC | $444 | — | $444 | 0.73% |
| GUSTAVO ARRIAGA II3 | 5237 N RIVERSIDE DRIVE - STE 207 FORT WORTH, TX 76137 | AFLAC | $254 | $33 | $287 | 0.47% |
| ISELA BERENICE ARRIAGA3 | 350 WESTPARK WAY - SUITE 202 EULESS, TX 76040 | AFLAC | $196 | $29 | $225 | 0.37% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVE - STE 305 AUBURNDALE, MA 02466 | AFLAC | $105 | $14 | $119 | 0.19% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLET | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $75 | $14 | $89 | 0.15% |
| ISELA BERENICE ARRIAGA3 | 5237 N RIVERSIDE DRIVE - SUITE 207 FORT WORTH, TX 76137 | AFLAC | $42 | — | $42 | 0.07% |
| RICHARD L JONES JR3 Filed as: RICHARD L. JONES, JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $34 | — | $34 | 0.06% |
| ROBERT W MCCANN JR3 Filed as: ROBERT W. MCCANN JR. | 5230 MISTY HL SAN ANTONIO, TX 78250 | AFLAC | $32 | — | $32 | 0.05% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 - STE 408 SAN ANTONIO, TX 78216 | AFLAC | $17 | — | $17 | 0.03% |
| ZENAT SHARIFF BELKIN3 | 14204 W EVANS CIRCLE LAKEWOOD, CO 80228 | AFLAC | $12 | — | $12 | 0.02% |
| TOM LY3 Filed as: TOM HONG LY | 3717 STOWE CREEK AVE. NORTH LAS VEGAS, NV 89081 | AFLAC | $6 | $4 | $10 | 0.02% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $6 | — | $6 | 0.01% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $2 | — | $2 | 0.00% |
| JAY T REX3 | 923 ELECTRA LAKEWAY, TX 78734 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY W MARONEY3 Filed as: LARRY W. MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN H KRANTZ III3 Filed as: JOHN H. KRANTZ, III | 6600 LBJ FREEWAY, SUITE 220 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | EMPIRE STATE BUILDING 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.10% |
| JOHN H KRANTZ III3 | 6600 LBJ FWY - STE 220 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | EMPIRE STATE BLDG. 350 5TH AVE-STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.15% |
| 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. | $3K | — | $3K | 10.82% |
| 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 | $792 | $3K | 20.64% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VIRGIN PULSE | 260 | $8K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 194 | $25K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 223 | $62K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 215 | $75K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 223 | $42K |
| Other(3 contracts, 3 carriers) | AFLAC | 260 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.