| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBES EMPLOYEE SOLUTIONS LLC | 113 SEABOARD LN STE 170B FRANKLIN, TN 37067 | AETNA LIFE INSURANCE COMPANY | $54K | $0 | $54K | 4.17% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 1.57% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | GUARDIAN | $13K | $4K | $16K | 15.75% |
| SHARON E ALFORD Filed as: SHARON ALFORD | 11885 ANDERSON RD WILLIS, TX 77318 | AFLAC | $426 | $41 | $467 | 2.81% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $416 | $0 | $416 | 2.50% |
| ARON S ROBERTSON Filed as: ARON ROBERTSON | 6202 WEST AVE SAN ANTONIO, TX 78213 | AFLAC | $207 | $0 | $207 | 1.25% |
| TOM LY | 21347 CYRESS CONIFER DR CYPRESS, TX 77433 | AFLAC | $97 | $5 | $102 | 0.61% |
| THE HORTON GROUP Filed as: ALEX HORTON | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $94 | $0 | $94 | 0.57% |
| CHRISTOPHER S AUSTERMANN Filed as: CHRISTOPHER AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $89 | $0 | $89 | 0.54% |
| MICHAEL ANDERS LLC | 15312 SANDHILL CRANE LN CONROE, TX 77384 | AFLAC | $62 | $5 | $67 | 0.40% |
| OCTAVIO CRUZ JR | PO BOX 7308 MOORE, OK 73153 | AFLAC | $58 | $0 | $58 | 0.35% |
| JUSTIN GRIFFEY | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $41 | $0 | $41 | 0.25% |
| DRU SCOTT CANION Filed as: DRU CANION | 1446 EMILY LN SEGUIN, TX 78155 | AFLAC | $32 | $0 | $32 | 0.19% |
| LARRY D DENNY Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $27 | $0 | $27 | 0.16% |
| GRACE LOZANO | 2510 S 31ST ST APT 5109 TEMPLE, TX 76504 | AFLAC | $27 | $0 | $27 | 0.16% |
| RONNIE WEBBER | 411 GREEN MEADOW TRL HOLLY LAKE RANCH, TX 75765 | AFLAC | $23 | $0 | $23 | 0.14% |
| MATTHEW SUTTON | 2318 LEGENDS SHORE DR SPRING, TX 77386 | AFLAC | $23 | $0 | $23 | 0.14% |
| CHRISTIAN M KRUEGER Filed as: CHRISTIAN KRUEGER | 2633 FAIRWOOD DR NEW BRAUNFELDS, TX 78132 | AFLAC | $20 | $0 | $20 | 0.12% |
| TANYA BRYAN | 14529 DIAMOND PARK LN CONROE, TX 77384 | AFLAC | $19 | $0 | $19 | 0.11% |
| MICHAEL W JOINER Filed as: MICHAEL JOINER | 6308 IOLA AVE UNIT 102 LUBBOCK, TX 79424 | AFLAC | $15 | $0 | $15 | 0.09% |
| MATTHEW G BERGER Filed as: MATTHEW BERGER | 10 UNION AVE APT 302 BALA CYNWYD, NJ 19004 | AFLAC | $15 | $0 | $15 | 0.09% |
| LARRY D DENNY Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $14 | $0 | $14 | 0.08% |
| JEFFREY C WEST Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $10 | $0 | $10 | 0.06% |
| CRYSTAL J MULVILLE Filed as: CRYSTAL MULVILLE | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | AFLAC | $10 | $0 | $10 | 0.06% |
| MICHAEL REYES | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $9 | $0 | $9 | 0.05% |
| JOHN K SCHULE Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $9 | $0 | $9 | 0.05% |
| DEBRA L SCHMIDT Filed as: DEBRA SCHMIDT | 7207 SANDY ISLE LN SPRING, TX 77389 | AFLAC | $6 | $0 | $6 | 0.04% |
| YVONNA FARRELL | 705 E MUSKOGEE AVE SULPHUR, OK 73086 | AFLAC | $6 | $0 | $6 | 0.04% |
| LUIS OSCAR HUERTA Filed as: LUIS HUERTA | 7504 85TH ST LUBBOCK, TX 79424 | AFLAC | $4 | $0 | $4 | 0.02% |
| GREGORY J WEEKS Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $4 | $0 | $4 | 0.02% |
| DARREN WARREN | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $4 | $0 | $4 | 0.02% |
| JAMES ROB BLAKEY Filed as: JAMES BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $4 | $0 | $4 | 0.02% |
| HEATHER F SEIBERT Filed as: HEATHER SEIBERT | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $4 | $0 | $4 | 0.02% |
| HAL W MOFFATT Filed as: HAL MOFFATT | 1221 LAMLIGHTER LN EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.02% |
| MICHAEL GRASS | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.02% |
| JOHN DAVID BODKER Filed as: JOHN BODKER II | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | AFLAC | $3 | $0 | $3 | 0.02% |
| KIM SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $3 | $0 | $3 | 0.02% |
| STEVE WHITTEN | PO BOX 1644 ALEDO, TX 76008 | AFLAC | $2 | $0 | $2 | 0.01% |
| JAY MICHAEL ANDERSON Filed as: JAY ANDERSON | 25 SURREY CIR IOWA PARK, TX 76367 | AFLAC | $2 | $0 | $2 | 0.01% |
| EDWARD A HALL JR Filed as: EDWARD HALL JR | 2224 WOODMARSH CIR AUBURN, GA 30011 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOHN A WILLIAMS COMPANY INC | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $1 | $0 | $1 | 0.01% |
| SHANE M OWEN Filed as: SHANE OWEN | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $1 | $0 | $1 | 0.01% |
| CECIL PARKER | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $1 | $0 | $1 | 0.01% |
| ROBERT CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $1 | $0 | $1 | 0.01% |
| PRENTISS ATKINS CASTLE JR Filed as: PRENTISS CASTLE JR | 7293 DABADIE RD VENTRESS, LA 70783 | AFLAC | $1 | $0 | $1 | 0.01% |
| MAEDE C MILLER Filed as: MAEDE MILLER | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHERISE M WADE Filed as: CHERISE WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $1 | $0 | $1 | 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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 103 | $1.3M |
| Dental | GUARDIAN | 79 | $103K |
| Life insurance | GUARDIAN | 79 | $103K |
| Long-term disability | GUARDIAN | 79 | $103K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 79 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.