| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS M BAIRD3 | 912 CARLSBAD DR ALLEN, TX 75002 | BLUE CROSS BLUE SHIELD OF TEXAS | $72K | $2K | $74K | 4.10% |
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.76% |
| DENNIS M COPLAND3 | 9330 LYNDON B JOHNSON FWY STE 1125 DALLAS, TX 75243 | AFLAC | $2K | — | $2K | 3.56% |
| DAVID MARTIN GUSTAFSON3 | PO BOX 2286 ADDISON, TX 75001 | AFLAC | $2K | $99 | $2K | 3.38% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $1K | $302 | $2K | 2.60% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | AFLAC | $1K | — | $1K | 1.99% |
| OFRACIO JIMENEZ3 | 1350 N GREENVILLE AVE APT 1103 RICHARDSON, TX 75081 | AFLAC | $851 | $36 | $887 | 1.39% |
| JOHN DEE MAULDIN3 | 1400 BURLINGTON DR PLANO, TX 75025 | AFLAC | $466 | — | $466 | 0.73% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $162 | — | $162 | 0.25% |
| KIMBERLY S COPLAND3 | 115 LACOSTA CT GARLAND, TX 75044 | AFLAC | $133 | — | $133 | 0.21% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $96 | — | $96 | 0.15% |
| BENJAMIN BURDEN3 | 1380 GREEN HILLS CT DUNCANVILLE, TX 75137 | AFLAC | $74 | — | $74 | 0.12% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $36 | — | $36 | 0.06% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $25 | — | $25 | 0.04% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $18 | — | $18 | 0.03% |
| KRISTY ANN MOOREHEAD3 | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $9 | — | $9 | 0.01% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 334 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $283K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $283K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $283K |
| Short-term disability | AFLAC | 73 | $64K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $283K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.