| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | BLUE CROSS BLUE SHIELD OF TEXAS | $83K | $2K | $85K | 3.79% |
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 11.84% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $3K | $15 | $3K | 4.28% |
| THOMAS M BAIRD3 | 4524 DEL REY AVE MCKINNEY, TX 75070 | AFLAC | $2K | — | $2K | 3.24% |
| DENNIS M COPLAND3 | 118 LA COSTA CT GARLAND, TX 75044 | AFLAC | $2K | — | $2K | 2.94% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $834 | $3 | $837 | 1.25% |
| MILTON EDDIE EDWARDS3 | 5500 MCKINNEY PLACE DR APT 1006 MCKINNEY, TX 75070 | AFLAC | $691 | — | $691 | 1.03% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $491 | — | $491 | 0.73% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $368 | — | $368 | 0.55% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $128 | — | $128 | 0.19% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $68 | — | $68 | 0.10% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $37 | — | $37 | 0.06% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $30 | $4 | $34 | 0.05% |
| GUSTAVO ARRIAGA II3 | 5237 N RIVERSIDE DR STE 207 FORT WORTH, TX 76137 | AFLAC | $32 | — | $32 | 0.05% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $30 | — | $30 | 0.04% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY FATE, TX 75087 | AFLAC | $15 | — | $15 | 0.02% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 388 | $2.2M |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 218 | $336K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 218 | $336K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 218 | $336K |
| Short-term disability | AFLAC | 67 | $67K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 218 | $336K |
| Other | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 218 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.