| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & | 5057 KELLER SPRINGS ROAD SUITE 200 ADDISON, TX 75001 | GUARDIAN | $13K | $6K | $19K | 10.91% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS RD LANCASTER, TX 75146 | AFLAC | $1K | $258 | $2K | 10.36% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS | 32335 US HIGHWAY 281 N STE 1201 BULVERDE, TX 78163 | AFLAC | $928 | — | $928 | 5.55% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $661 | $48 | $709 | 4.24% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $413 | $48 | $461 | 2.76% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INS | 582 E 36TH AVE STE 1201 BULVERDE, TX 78163 | AFLAC | $266 | — | $266 | 1.59% |
| ACRISURE LLC3 | 32335 US HIGHWAY 281 N STE 1201 BULVERDE, TX 78163 | AFLAC | $99 | — | $99 | 0.59% |
| FRANCISCO J LARA3 | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $74 | — | $74 | 0.44% |
| ACRISURE LLC3 | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | AFLAC | $57 | — | $57 | 0.34% |
| BRENDA A HUERTA3 | 3513 ASH LN MCKINNEY, TX 75070 | AFLAC | $23 | — | $23 | 0.14% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 214 | $178K |
| Vision | GUARDIAN | 214 | $178K |
| Short-term disability | GUARDIAN | 214 | $178K |
| Long-term disability | GUARDIAN | 214 | $178K |
| Other | AFLAC | 15 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.