| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | BLUE CROSS BLUE SHIELD OF TEXAS | $99K | $2K | $101K | 3.55% |
| THOMAS M BAIRD3 | 912 CARLSBAD DRIVE ALLEN, TX 75002 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $53K | $10K | $63K | 14.09% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $3K | $402 | $4K | 7.52% |
| DENNIS M COPLAND3 | 6817 K AVE, STE 104 PLANO, TX 75074 | AFLAC | $920 | — | $920 | 1.78% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $694 | — | $694 | 1.34% |
| THOMAS M BAIRD3 | 4524 DEL REY AVE MCKINNEY, TX 75070 | AFLAC | $620 | — | $620 | 1.20% |
| GREGORY LAKE JONES3 | 4116 MUSTANG TRL FLOWER MOUND, TX 75028 | AFLAC | $509 | $7 | $516 | 1.00% |
| RENE ARRIAGA3 | 509 SANDPIPER LN LAREDO, TX 78045 | AFLAC | $331 | $6 | $337 | 0.65% |
| JOHN DEE MAULDIN3 | 6612 TERRACE MILL LANE PLANO, TX 75024 | AFLAC | $184 | — | $184 | 0.36% |
| MILTON EDDIE EDWARDS3 | 1308 PEBBLEBROOK LANE MCKINNEY, TX 75071 | AFLAC | $79 | — | $79 | 0.15% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DR FRISCO, TX 75033 | AFLAC | $70 | — | $70 | 0.14% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $59 | — | $59 | 0.11% |
| GUSTAVO ARRIAGA II3 | 320 W CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $58 | — | $58 | 0.11% |
| VICKI JANAY SHEA3 | 2000 N MEADOW WAY CIR ARLINGTON, TX 76015 | AFLAC | $44 | — | $44 | 0.08% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $36 | — | $36 | 0.07% |
| ZACHARY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $36 | — | $36 | 0.07% |
| JONI AKALA BILLINGS3 | 2060 OLIVER SPRINGS ST HENDERSON, NV 89052 | AFLAC | $20 | — | $20 | 0.04% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $14 | — | $14 | 0.03% |
| MICHAEL J MCNAUGHTON Filed as: MICHAEL MCNAUGHTON | 115 MIZELL LANE WEST MONROE, LA 71291 | AFLAC | $12 | — | $12 | 0.02% |
| BRITTANY A TALLENT3 | 9329 WOOD DUCK DR FT WORTH, TX 76118 | AFLAC | $8 | — | $8 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY DR FATE, TX 75087 | AFLAC | $7 | — | $7 | 0.01% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $3 | — | $3 | 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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 425 | $2.9M |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 253 | $446K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 253 | $446K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 253 | $446K |
| Short-term disability | AFLAC | 61 | $52K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 253 | $446K |
| Other | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 253 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.