| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBES3 | 245 MAIN STREET STE 605 WHITE PLAINS, NY 10601 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 3.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVE, STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | GUARDIAN | $12K | $4K | $15K | 16.85% |
| ARON S ROBERTSON | 12811 WATERLILY WAY SAN ANTONIO, TX 78254 | AFLAC | $683 | $27 | $710 | 2.29% |
| JAMES S BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $647 | $33 | $680 | 2.19% |
| SHANRON E ALFORD | 11885 ANDERSON RD WILLIS, TX 77318 | AFLAC | $572 | $35 | $607 | 1.95% |
| DRU SCOTT CANION | 1446 EMILY LN SEGUIN, TX 78155 | AFLAC | $245 | $0 | $245 | 0.79% |
| CHRISTIAN M KRUEGER | 2633 FAIRWOOD DR NEW BRAUNFELS, TX 78132 | AFLAC | $118 | $0 | $118 | 0.38% |
| THE HORTON GROUP Filed as: ALEX HORTON | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $115 | $0 | $115 | 0.37% |
| SAUL GARCIA | 15006 SIERRA RIDGE DR HUMBLE, TX 77396 | AFLAC | $91 | $7 | $98 | 0.32% |
| JUSTIN GRIFFEY | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $85 | $7 | $92 | 0.30% |
| CHRISTOPHER S AUSTERMANN | 148 EASTERN BLVD GLASTON BURY, CT 06033 | AFLAC | $89 | $0 | $89 | 0.29% |
| JASON WILLIAM SHRIVER | 12401 EAGLE PASS DR FORTH WORTH, TX 76179 | AFLAC | $67 | $0 | $67 | 0.22% |
| NICOLE LYNN RIHANEK | 1205 2ND AVE E UNIT 4312 BRADENTON, FL 34208 | AFLAC | $56 | $7 | $63 | 0.20% |
| NICOLE LEE RILEY | 3510 LOST LAKE DR KINGWOOD, TX 77339 | AFLAC | $59 | $0 | $59 | 0.19% |
| OCTAVIO NOE CRUZ JR | 330 E HARMON DR OKLAHOMA CITY, OK 73110 | AFLAC | $53 | $0 | $53 | 0.17% |
| DEBRA L SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $41 | $0 | $41 | 0.13% |
| MATTHEW SUTTON | 2318 LEGENDS SHORE DR SPRING, TX 77386 | AFLAC | $39 | $0 | $39 | 0.13% |
| TANYA LOREE BRYAN | 14529 DIAMOND PARK LN CONROE, TX 77384 | AFLAC | $36 | $0 | $36 | 0.12% |
| LARRY W MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $34 | $0 | $34 | 0.11% |
| GRACE LOZANO | PO BOX 680182 SAN ANTONIO, TX 78268 | AFLAC | $33 | $0 | $33 | 0.11% |
| MATTHEW SMITH Filed as: MATTHEW A SMITH | 8805 SW 9TH STREET RD OCALA, FL 34481 | AFLAC | $17 | $5 | $22 | 0.07% |
| RONNIE PATTON Filed as: RONNIE C WEBBER | 411 GREEN MEADOW TRL HOLLY LAKE RANCH, TX 75765 | AFLAC | $21 | $0 | $21 | 0.07% |
| CLINTON J CLARK | 17206 COUNTY ROAD 1440 WOLFFORTH, TX 79382 | AFLAC | $21 | $0 | $21 | 0.07% |
| JEFFREY C WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $18 | $0 | $18 | 0.06% |
| MICHAEL W JOINER | 6308 IOLA AVE UNIT 102 LUBBOCK, TX 79424 | AFLAC | $15 | $0 | $15 | 0.05% |
| CRYSTAL J MULVILLE | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | AFLAC | $15 | $0 | $15 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: MATTHEW DOMINIC BROWN | 1259 LOOP 337 STE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $9 | $5 | $14 | 0.05% |
| MATTHEW G BERGER | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $13 | $0 | $13 | 0.04% |
| MICHAEL T REYES | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $13 | $0 | $13 | 0.04% |
| JOHN SIMNACHER | 10907 QUAKER AVE LUBBOCK, TX 79424 | AFLAC | $13 | $0 | $13 | 0.04% |
| LARRY D DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $13 | $0 | $13 | 0.04% |
| LUIS OSCAR HUERTA | 7504 85TH STREET LUBBOCK, TX 79424 | AFLAC | $13 | $0 | $13 | 0.04% |
| JOHN K SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $11 | $0 | $11 | 0.04% |
| JOHN DAVID BODKER Filed as: JOHN DAVID BODKER II | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | AFLAC | $9 | $0 | $9 | 0.03% |
| LUIS OSCAR HUERTA | 5819 110TH ST LUBBOCK, TX 79424 | AFLAC | $7 | $0 | $7 | 0.02% |
| RALPH KEVIN LOERWALD | 6301 DUPAGE AVE LUBBOCK, TX 79416 | AFLAC | $7 | $0 | $7 | 0.02% |
| GREGORY J WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $6 | $0 | $6 | 0.02% |
| MATTHEW G BERGER | 22 SUNNYRIDGE RD WAYNE, NJ 07470 | AFLAC | $6 | $0 | $6 | 0.02% |
| YVONNA FARRELL | 705 E MUSKOGEE AVE SULPHUR, OK 73086 | AFLAC | $6 | $0 | $6 | 0.02% |
| KIM REED SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $5 | $0 | $5 | 0.02% |
| HEATHER F SEIBERT | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $4 | $0 | $4 | 0.01% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $4 | $0 | $4 | 0.01% |
| STEVE WHITTEN | 7606 UNIVERSITY AVE STE D LUBBOCK, TX 79423 | AFLAC | $4 | $0 | $4 | 0.01% |
| DARREN R WARREN | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $4 | $0 | $4 | 0.01% |
| MOFFATT DESIGNS LLC | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL GRASS | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAY MICHAEL ANDERSON | 1302 MOCKINGBIRD ST IOWA PARK, TX 76367 | AFLAC | $2 | $0 | $2 | 0.01% |
| CECIL RAY PARKER | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $1 | $0 | $1 | 0.00% |
| EDWARD A HALL JR | 2224 WOODMARSH CIR AUBURN, GA 30011 | AFLAC | $1 | $0 | $1 | 0.00% |
| PETER B WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN A WILLIAMS COMPANY INC | 201316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $1 | $0 | $1 | 0.00% |
| MAEDE C MILLER | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHANE M OWEN | 8413 NW 106YH ST OKLAHOMA CITY, OK 73162 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHERISE M WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $1 | $0 | $1 | 0.00% |
| PRENTISS ATKINS CASTLE JR | 7293 DABADIE RD VENTRESS, LA 70783 | AFLAC | $1 | $0 | $1 | 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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $1.1M |
| Dental | GUARDIAN | 114 | $92K |
| Life insurance | GUARDIAN | 114 | $92K |
| Long-term disability | GUARDIAN | 114 | $92K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 114 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
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.