| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & BONDS AGENCY OF TEXAS3 Filed as: INSURANCE & BONDS AGENCY OF TX | 5057 KELLER SPRING ROAD SUITE 200 ADDISON, TX 75001 | GUARDIAN | $11K | — | $11K | 8.28% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | GUARDIAN | $3K | — | $3K | 2.50% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS RD LANCASTER, TX 75146 | AFLAC | $1K | $67 | $1K | 8.35% |
| ACRISURE LLC3 | 32335 US HIGHWAY 281 N STE 1201 BULVERDE, TX 78163 | AFLAC | $921 | — | $921 | 5.47% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $600 | $12 | $612 | 3.63% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $327 | $12 | $339 | 2.01% |
| ACRISURE LLC3 | 582 E 36TH AVE STE 1201 BULVERDE, TX 78163 | AFLAC | $241 | — | $241 | 1.43% |
| SOMMER NORRIS RIEHN3 | 6333 E MOCKINGBIRD LN STE 147 DALLAS, TX 75214 | AFLAC | $83 | — | $83 | 0.49% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS | AND INSURANCE 582 E 36TH AVE, STE 1201 BULVERDE, TX 78163 | AFLAC | $76 | — | $76 | 0.45% |
| FRANCISCO J LARA3 | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $74 | — | $74 | 0.44% |
| RIEHN INSURANCE GROUP INC3 | 6333 E MOCKINGBIRD LN STE 147, PMB 2003 DALLAS, TX 75214 | AFLAC | $51 | — | $51 | 0.30% |
| CHRISTOPHER CHASE RIEHN3 | 6333 E MOCKINGBIRD LN, STE 147 PMB 2003 DALLAS, TX 75214 | AFLAC | $49 | — | $49 | 0.29% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $26 | — | $26 | 0.15% |
| BRIAN M LEITZEL3 | 4201 SPRING DR CHENEY, KS 67025 | AFLAC | $7 | $18 | $25 | 0.15% |
| BRENDA A HUERTA3 | 3513 ASH LN MCKINNEY, TX 75070 | AFLAC | $23 | — | $23 | 0.14% |
| SAIDA K SOSA3 | 4511 S FLORA CT WICHITA, KS 67215 | AFLAC | $7 | $15 | $22 | 0.13% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $16 | — | $16 | 0.09% |
| JOSHUA J CONTRERAS3 Filed as: JOSHUA J CONTRETAS | 2320 MCCUE RD APT 21 HOUSTON, TX 77056 | AFLAC | $12 | — | $12 | 0.07% |
| JOHN E WETIG3 | 103 S ROUPP ST HESSTON, KS 67062 | AFLAC | $4 | $7 | $11 | 0.07% |
| SOMMER NORRIS RIEHN3 | 6333 E MOCKINGBIRD LN, STE 147 PMB 2003 DALLAS, TX 75214 | AFLAC | $9 | — | $9 | 0.05% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $3 | — | $3 | 0.02% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $3 | — | $3 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY DR FATE, TX 75087 | AFLAC | $2 | — | $2 | 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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 139 | $135K |
| Vision | GUARDIAN | 139 | $135K |
| Life insurance | GUARDIAN | 139 | $135K |
| Short-term disability | GUARDIAN | 139 | $135K |
| Long-term disability | GUARDIAN | 139 | $135K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 139 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.