| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 1111 W HOUSTON ST #T-11 SAN ANTONIO, TX 78207 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.28% |
| MICHAEL HILL3 Filed as: MICHAEL A HILL | 3304 PROVIDENCE DR MIDLAND, TX 79707 | AFLAC | $8K | $515 | $9K | 13.68% |
| JOHN DREW BRIDGES3 | 4313 WOOD DR MIDLAND, TX 79707 | AFLAC | $2K | $375 | $3K | 4.39% |
| NANCY B PENA3 | 12022 LAS NUBES ST SAN ANTONIO, TX 78233 | AFLAC | $2K | $220 | $2K | 3.73% |
| RODGER LINCOLN WELLS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $2K | $161 | $2K | 2.88% |
| ELI LEAL3 | 8600 RUTLAND DR ODESSA, TX 79765 | AFLAC | $777 | $0 | $777 | 1.20% |
| JENNIFER JAYE DUNN3 | 3008 SAN JOSE DR ODESSA, TX 79765 | AFLAC | $277 | $0 | $277 | 0.43% |
| EVELYN VILLALOBOS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $146 | $16 | $162 | 0.25% |
| AMBER LARRAINE PALIC3 | 7520 LAS BRISAS TRL FARMINGTON, NM 87402 | AFLAC | $161 | $0 | $161 | 0.25% |
| LEAVITT GROUP3 Filed as: KYSAR MILLENNIUM LEAVITT INSURANCE | 72 SUTTLE ST UNIT L DURANGO, CO 81308 | AFLAC | $149 | $0 | $149 | 0.23% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $115 | $0 | $115 | 0.18% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 261 MONARCH CREST TRL DURANGO, CO 81301 | AFLAC | $75 | $0 | $75 | 0.12% |
| AMY M BUCHANAN3 | 348 SIR CHANDLER DR KILL DEVIL HILLS, NC 27948 | AFLAC | $57 | $0 | $57 | 0.09% |
| CALLIE GARRETT3 | 6502 DRIFTWOOD DR MIDLAND, TX 79707 | AFLAC | $38 | $0 | $38 | 0.06% |
| JUDE M MONTOYA3 | 6565 AMERICAS PWY NE STE 115 ALBUQUERQUE, NM 87110 | AFLAC | $29 | $0 | $29 | 0.04% |
| JANET VAUGHN3 | 7 S DRAGONWOOD PL THE WOODLANDS, TX 77384 | AFLAC | $22 | $0 | $22 | 0.03% |
| CINDY MCKNIGHT3 Filed as: CINDY L MCKNIGHT | 2421 COUNTY ROAD 204 DURANGO, CO 81301 | AFLAC | $22 | $0 | $22 | 0.03% |
| LARRY J ALLBRITTON3 Filed as: LARRY L VAUGHN | 7 S DRAGONWOOD PL THE WOODLANDS, TX 77381 | AFLAC | $21 | $0 | $21 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL L ALLEY | 2189 SE 12TH AVE CANBY, OR 97013 | AFLAC | $10 | $0 | $10 | 0.02% |
| MATTHEW D ALLISON3 | 1340 E 7TH ST STE 270 ODESSA, TX 79761 | AFLAC | $9 | $0 | $9 | 0.01% |
| ERIN JAEN BIRT3 | 623 BALANCED ROCK WAY APT 215 GRAND JUNCTION, CO 81505 | AFLAC | $9 | $0 | $9 | 0.01% |
| ALYC J MONTOYA3 | 6565 AMERICAS PKWY NE STE 115 ALBUQUERQUE, NM 87110 | AFLAC | $5 | $0 | $5 | 0.01% |
| DAVID B MOSKOWITZ3 | 9191 N 117TH WAY SCOTTSDAE, AZ 85259 | AFLAC | $4 | $0 | $4 | 0.01% |
| ED ELLISON3 | 1776 BLACK RIVER DR NE RIO RANCHO, NM 87144 | AFLAC | $1 | $0 | $1 | 0.00% |
| TODD E SHENBERGER3 | PO BOX 20412 ALBUQUERQUE, NM 87154 | 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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $174K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $174K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $174K |
| Short-term disability | AFLAC | 89 | $65K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $174K |
| Other | AFLAC | 89 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.