| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUARDO HERNANDEZ III | 12201 BRADBURY DR EL PASO, TX 79928 | HCSC | $3.5M | — | $3.5M | 36.46% |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | HCSC | $147K | — | $147K | 1.52% |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | DEARBORN LIFE INSURANCE COMPANY | $11.7M | — | $11.7M | 1249.87% |
| EDUARDO HERNANDEZ III | 856 SOUTHWICK DR EL PASO, TX 79928 | DEARBORN LIFE INSURANCE COMPANY | $61K | — | $61K | 6.55% |
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 | 2,539 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCSC | 2,539 | $9.6M |
| Dental | HCSC | 2,539 | $9.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,675 | $938K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,675 | $938K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,675 | $938K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,675 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,539 | — |
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.