| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA DAVIS3 | 3337 WILMBLEDON DR CIBOLO, TX 78108 | AFLAC | $13K | $285 | $13K | 9.73% |
| ROBIN REED3 | 871 RADIANCE DR CORDOVA, TN 38018 | AFLAC | $3K | — | $3K | 2.35% |
| PATRICIA LYNNE COE3 | 301 MAIN PLZ 355 NEW BRAUNFELS, TX 78130 | AFLAC | $2K | — | $2K | 1.84% |
| SCOTT FENTON3 | 945 TARAVAL ST 1137 SAN FRANCISCO, CA 94116 | AFLAC | $2K | $67 | $2K | 1.43% |
| TRISTAN GAINES3 | 1985 BRANDYWINE DR NEW BRUANFELS, TX 78130 | AFLAC | $1K | — | $1K | 1.05% |
| TRISTAN GAINES3 | 2545 ESPENCHIED NEW BRAUNFELS, TX 78132 | AFLAC | $928 | $20 | $948 | 0.72% |
| WILMA J. WILLIAMS3 Filed as: WILMA WILLIAMS | 2602 MOUNTAIN HOME SAN ANTONIO, TX 78251 | AFLAC | $892 | — | $892 | 0.67% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $862 | — | $862 | 0.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD ST #1009 OAKLAND, CA 94609 | AFLAC | $806 | $46 | $852 | 0.64% |
| WILLIAM T GANT3 | 117 HILLSON LN BRIGHTON, TN 38011 | AFLAC | $565 | — | $565 | 0.43% |
| LOUIS MARTORELLI III3 | 5014 WINKER TR SCHERTZ, TX 78154 | AFLAC | $490 | $47 | $537 | 0.41% |
| SHANNON L WYNN3 | 198 DOGWOOD CIR NW FORT PAYNE, AL 35967 | AFLAC | $472 | — | $472 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: MATTHEW DOMINIC BROWN | 1919 FAIRMONT AVE SW SEATTLE, WA 98126 | AFLAC | $320 | — | $320 | 0.24% |
| DEMETRECE WILLIAMS3 | 701 BRIDGE ST CUERO, TX 77954 | AFLAC | $292 | — | $292 | 0.22% |
| BRENDA MARTINEZ3 | 214 ROYAL CREST SEGUIN, TX 78155 | AFLAC | $198 | — | $198 | 0.15% |
| RUDY VALDEZ3 | 6515 CHAPEL FRST SAN ANTONIO, TX 78239 | AFLAC | $197 | — | $197 | 0.15% |
| GRACE LOZANO3 | PO BOX 680182 SAN ANTONIO, TX 78268 | AFLAC | $150 | — | $150 | 0.11% |
| CHRISTOPHER RYAN PETTY3 | 1930 SIRIUS GRV SAN ANTONIO, TX 78245 | AFLAC | $70 | — | $70 | 0.05% |
| GARRETT PAYNE3 | 1001 SAN FRANCISCO SAN ANTONIO, TX 78201 | AFLAC | $68 | — | $68 | 0.05% |
| ROBERT W GOLDEN3 | 1259 LOOP 337 STE 200 NEW BRUANFELS, TX 78130 | AFLAC | $67 | — | $67 | 0.05% |
| BRENNAN BENNETT3 | 2652 C R 319 LA VERNIA, TX 78121 | AFLAC | $27 | — | $27 | 0.02% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8404 SW 59TH TER OCALA, FL 34476 | AFLAC | $15 | — | $15 | 0.01% |
| JAY MICHAEL ANDERSON3 Filed as: JAY REESE | 176 FRESNO SPGS BUDA, TX 78610 | AFLAC | $3 | — | $3 | 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 | 565 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 565 | $2.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 565 | $2.9M |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 565 | $2.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 610 | $12K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 610 | $144K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 610 | $12K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 565 | $2.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 610 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.