| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA DAVIS3 | 3337 WIMBLEDON DRIVE CIBOLO, TX 78108 | AFLAC | $8K | $63 | $8K | 8.46% |
| ROBIN REED3 | 871 RADIANCE DRIVE CORDOVA, TN 38018 | AFLAC | $4K | $169 | $4K | 4.02% |
| SCOTT R. FENTON3 | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $2K | $2 | $2K | 1.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $1K | $6 | $1K | 1.35% |
| MJ INSURANCE3 Filed as: JAMES C. FARMER AND VARIOUS AGENTS | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $1K | $31 | $1K | 1.24% |
| WILLIAM T GANT3 Filed as: WILLIAM T. GANT | 5100 POPLAR AVENUE, SUITE 31058 MEMPHIS, TN 38137 | AFLAC | $487 | $17 | $504 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1919 FAIRMOUNT AVENUE SW SEATTLE, CA 98126 | AFLAC | $380 | $0 | $380 | 0.40% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 128 | $94K |
| Other | AFLAC | 128 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.