| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 313 S JUPITER RD., 200 ALLEN, TX 750023054 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 4.71% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M. BAIRD JR. | 912 CARLSBAD DR ALLEN, TX 75002 | GUARDIAN | $25K | $2K | $27K | 13.09% |
| DENNIS M COPLAND3 | 118 LA COSTA CT GARLAND, TX 75044 | AFLAC | $5K | $89 | $5K | 9.58% |
| DENNIS M COPLAND3 | 9330 LYNDON B JOHNSON FWY, STE 1125 DALLAS, TX 75243 | AFLAC | $2K | $0 | $2K | 3.08% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | AFLAC | $2K | $0 | $2K | 2.99% |
| JOHN DEE MAULDIN3 | 3209 PHAETON CT PLANO, TX 75023 | AFLAC | $828 | $64 | $892 | 1.63% |
| KIMBERLY S COPLAND3 | 115 LACOSTA CT GARLAND, TX 75044 | AFLAC | $677 | $167 | $844 | 1.54% |
| NANCY E ODOM3 | 9330 LYNDON B JOHNSON FWY, STE 1125 DALLAS, TX 75243 | AFLAC | $733 | $0 | $733 | 1.34% |
| NICKALAUS KIRPES3 | 27 JUPITER RD MALAKOFF, TX 75148 | AFLAC | $548 | $1 | $549 | 1.00% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $265 | $0 | $265 | 0.49% |
| DAVID MARTIN GUSTAFSON3 Filed as: DAVID GUSTAFSON | P.O. BOX 2286 ADDISON, TX 75001 | AFLAC | $167 | $0 | $167 | 0.31% |
| GUY M HUNDLEY3 | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $87 | $0 | $87 | 0.16% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $57 | $0 | $57 | 0.10% |
| KEVIN SIMMONS3 | 600 W GROVE CIR ANNA, TX 75409 | AFLAC | $52 | $0 | $52 | 0.10% |
| KRISTY ANN MOOREHEAD3 | 309 BLUE SAGE DRIVE ROCKWALL, TX 75087 | AFLAC | $47 | $0 | $47 | 0.09% |
| AMANDA SANDLIN3 Filed as: AMANDA ETH SANDLIN | 1730 DARTBROOK DR ROWLETT, TX 75089 | AFLAC | $32 | $0 | $32 | 0.06% |
| GARY C KLEIN3 | 5924 BALFOUR CT, STE 100 CARLSBAD, CA 92008 | AFLAC | $30 | $0 | $30 | 0.05% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $15 | $0 | $15 | 0.03% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DRIVE DALLAS, TX 75229 | AFLAC | $10 | $0 | $10 | 0.02% |
| ADAM SHANE HUNDLEY3 | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $5 | $0 | $5 | 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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $1.2M |
| Dental | GUARDIAN | 167 | $209K |
| Vision | GUARDIAN | 167 | $209K |
| Life insurance | GUARDIAN | 167 | $209K |
| Short-term disability | AFLAC | 59 | $55K |
| Long-term disability | GUARDIAN | 167 | $209K |
| Other | GUARDIAN | 167 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.