| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 12801 N CENTRAL EXPY-STE 1710 DALLAS, TX 75243 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6 | $6K | $6K | 0.23% |
| STEVEN B KEMPTON3 Filed as: STEVEN B. KEMPTON | 4912 DERBYSHIRE DRIVE MCKINNEY, TX 75070 | AFLAC | $2K | — | $2K | 4.17% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES CO INS BROKERAGE | 2133 LURAY AVENUE CINCINNATI, OH 45206 | AFLAC | $2K | — | $2K | 3.32% |
| SCHROEDER SERVICES GROUP LLC3 Filed as: SCHROEDER SERVICES GROUP, LLC | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $1K | — | $1K | 2.37% |
| HENRY JOHN KRANTZ, III3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | AFLAC | $884 | — | $884 | 1.56% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C. COVINGTON | 1750 WINDY HILL LANE PROSPER, TX 75078 | AFLAC | $683 | — | $683 | 1.20% |
| GUSTAVO ARRIAGA II3 | 320 W CORK TREE DR ORANGE, CA 92865 | AFLAC | $330 | — | $330 | 0.58% |
| ISELA BERENICE ARRIAGA3 | 350 WESTPARK WAY - SUITE 202 EULESS, TX 76040 | AFLAC | $308 | — | $308 | 0.54% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES INSURANCE BROKERAGE | 160 FEDERAL ST - FLOOR 2 BOSTON, MA 02110 | AFLAC | $87 | — | $87 | 0.15% |
| ROBERT W MCCANN JR3 Filed as: ROBERT W. MCCANN JR. | 5230 MISTY HL SAN ANTONIO, TX 78250 | AFLAC | $32 | — | $32 | 0.06% |
| CLAUDIA GARZA3 | 13310 ALDER CREEK DRIVE SAN ANTONIO, TX 78247 | AFLAC | $31 | — | $31 | 0.05% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 - STE 408 SAN ANTONIO, TX 78216 | AFLAC | $30 | — | $30 | 0.05% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $28 | — | $28 | 0.05% |
| STEVEN R KARAS3 | 222 WARD STREET AUBURNDALE, MA 02459 | AFLAC | $21 | — | $21 | 0.04% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLET | 8 BROOKS STREET NEWTON, MA 01890 | AFLAC | $18 | — | $18 | 0.03% |
| RONALD J ZULLO3 | 18211 BULVERDE RD - APT 20202 SAN ANTONIO, TX 78259 | AFLAC | $17 | — | $17 | 0.03% |
| MICHELLE CARRASCO3 | 11502 LILY BLAIR SAN ANTONIO, TX 78253 | AFLAC | $9 | — | $9 | 0.02% |
| ANDREA F RENDON3 | PO BOX 341 SCHERTZ, TX 78154 | AFLAC | $9 | — | $9 | 0.02% |
| RICHARD L JONES JR3 Filed as: RICHARD L. JONES, JR. | 5512 TALLGRASS BLVD BULVERDE, TX 78163 | AFLAC | $6 | — | $6 | 0.01% |
| TOM LY3 Filed as: TOM HONG LY | 21347 CYPRESS CONIFER DRIVE CYPRESS, TX 77433 | AFLAC | $4 | — | $4 | 0.01% |
| JAY T REX3 | 5021 PYRENEES PASS AUSTIN, TX 78738 | 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% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $2 | — | $2 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 12.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE ELWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| JOHN H KRANTZ III3 | 6600 LBJ FWY-STE 220 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO, INC. | 669 RIVER DRIVE-SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| JOHN H KRANTZ III3 | 6600 LBJ FWY- STE 220 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $831 | — | $831 | 2.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 7.48% |
| 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. | $468 | — | $468 | 1.66% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 337 | $2.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 226 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 286 | $54K |
| Short-term disability | AFLAC | 49 | $57K |
| Long-term disability | STANDARD INSURANCE COMPANY | 286 | $40K |
| Other(2 contracts, 2 carriers) | AFLAC | 286 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.