| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | BLUE CROSS BLUE SHIELD OF TEXAS | $75K | $2K | $77K | 3.58% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 11.82% |
| DENNIS M COPLAND3 | 118 LA COSTA CT GARLAND, TX 75044 | AFLAC | $2K | — | $2K | 3.36% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $2K | $135 | $2K | 3.00% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $1K | $44 | $1K | 2.07% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS M BAIRD JR | 912 CARLSBAD DR ALLEN, TX 75002 | AFLAC | $1K | — | $1K | 1.59% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $486 | — | $486 | 0.70% |
| OFRACIO JIMENEZ3 | 1350 N GREENVILLE AVE APT 1103 RICHARDSON, TX 75081 | AFLAC | $175 | $129 | $304 | 0.44% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $169 | — | $169 | 0.24% |
| KIMBERLY S COPLAND3 | 118 LA COSTA CT GARLAND, TX 75044 | AFLAC | $120 | — | $120 | 0.17% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $113 | — | $113 | 0.16% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $87 | — | $87 | 0.13% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $38 | — | $38 | 0.05% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $38 | — | $38 | 0.05% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $19 | — | $19 | 0.03% |
| MILTON EDDIE EDWARDS3 | 5500 MCKINNEY PLACE DR APT 1006 MCKINNEY, TX 75070 | AFLAC | $6 | — | $6 | 0.01% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $4 | — | $4 | 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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 349 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $306K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $306K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $306K |
| Short-term disability | AFLAC | 67 | $69K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $306K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
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.