| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 11.75% |
| DENNIS M COPLAND3 Filed as: DENNIS COPLAND | 9330 LYNDON B JOHNSON FWY STE 1125 DALLAS, TX 75243 | AFLAC | $3K | — | $3K | 4.22% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $3K | — | $3K | 3.89% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | AFLAC | $2K | — | $2K | 3.33% |
| LARK ALLISON3 | 206 LAUREL TRAIL DR TERRELL, TX 75160 | AFLAC | $2K | $40 | $2K | 2.26% |
| DAVID MARTIN GUSTAFSON3 Filed as: DAVID GUSTAFSON | PO BOX 2286 ADDISON, TX 75001 | AFLAC | $1K | — | $1K | 2.05% |
| JOHN DEE MAULDIN3 Filed as: JOHN MAULDIN | 1400 BURLINGTON DR PLANO, TX 75025 | AFLAC | $601 | — | $601 | 0.83% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $210 | — | $210 | 0.29% |
| KIMBERLY S COPLAND3 Filed as: KIMBERLY COPLAND | 115 LACOSTA CT GARLAND, TX 75044 | AFLAC | $172 | — | $172 | 0.24% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $134 | — | $134 | 0.19% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $46 | — | $46 | 0.06% |
| DECK DENMAN3 | 2518 BRIARBROOK LN GARLAND, TX 75040 | AFLAC | $39 | — | $39 | 0.05% |
| KRISTY ANN MOOREHEAD3 | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $28 | — | $28 | 0.04% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $23 | — | $23 | 0.03% |
| KRISTY ANN MOOREHEAD3 Filed as: KRISTY MOOREHEAD | 329 OAKS TRL STE 139 GARLAND, TX 75043 | AFLAC | $13 | — | $13 | 0.02% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DRIVE ALLEN, TX 75002 | BLUE CROSS BLUE SHIELD OF TEXAS | $69K | $3K | $72K | — |
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. |
| 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 309 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $272K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $272K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $272K |
| Short-term disability | AFLAC | 73 | $72K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $272K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.