| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 4635 SOUTHWEST HIGHWAY #750 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.24% |
| TERRY M. ZIMPEL3 Filed as: TERRY M ZIMPEL | 3811 WATERLOO CT FULSHEAR, TX 77441 | AFLAC | $5K | $55 | $5K | 7.54% |
| SHANNON L MUSE0 | 2478 CHEW RD SEALY, TX 77474 | AFLAC | $2K | $13 | $2K | 2.49% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $519 | $0 | $519 | 0.78% |
| PARAGON BENEFIT SOLUTIONS LLC3 Filed as: PARAGON BENEFITS SOLUTIONS LLC | 2478 CHEW RD SEALY, TX 77474 | AFLAC | $421 | $0 | $421 | 0.64% |
| JANET S. RENO3 Filed as: JANET S RENO | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $388 | $0 | $388 | 0.59% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $319 | $0 | $319 | 0.48% |
| TODD A STULL3 | 3000 E DIVISION ST STE A SPRINGFIELD, MO 65802 | AFLAC | $218 | $13 | $231 | 0.35% |
| MARIO SILVA3 Filed as: MARIO D SILVA | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $187 | $0 | $187 | 0.28% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $109 | $0 | $109 | 0.16% |
| ROSALIND CIESLEWICZ3 Filed as: ROSALIND W CIESLEWICZ | 11731 CANYON VISTS LN TOMBALL, TX 77377 | AFLAC | $96 | $0 | $96 | 0.15% |
| EDWARD SCARBROUGH3 Filed as: EDWARD L SCARBROUGH | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $68 | $0 | $68 | 0.10% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $41 | $0 | $41 | 0.06% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 2523 CREEK DR GRANBURY, TX 76048 | AFLAC | $24 | $0 | $24 | 0.04% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $10 | $0 | $10 | 0.02% |
| CHERYL SCARBROUGH3 Filed as: CHERYL SLAID SCARBROUGH | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $10 | $0 | $10 | 0.02% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $5 | $0 | $5 | 0.01% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $3 | $0 | $3 | 0.00% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.00% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $3 | $0 | $3 | 0.00% |
| PRENTISS ATKINS CASTLE JR3 | 7293 DABADIE RD VENTRESS, LA 70783 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRL RICHMOND, TX 77406 | AFLAC | $1 | $0 | $1 | 0.00% |
| JARED E DAY3 | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $0 | $0 | $0 | 0.00% |
| JAMES C POWELL III3 | 5300 BEDFORD KINGSLAND, TX 78639 | AFLAC | $0 | $0 | $0 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $0 | $0 | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 4635 SOUTHWEST FREEWAY STE 750 HOUSTON, TX 77027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 20.00% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $412K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $412K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 662 | $114K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 401 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $47K |
| Other(4 contracts, 3 carriers) | AFLAC | 662 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.