| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1.9M | $0 | $1.9M | 25.38% |
| EDUARDO HERNANDEZ III3 | 12201 BRADBURY DR EL PASO, TX 79928 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $48K | $0 | $48K | 0.63% |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | DEARBORN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.12% |
| EDUARDO HERNANDEZ III3 | 12201 BRADBURY DR EL PASO, TX 79928 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.07% |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | BLUE CROSS BLUE SHIELD OF TEXAS | $22K | — | $22K | 1.45% |
| EDUARDO HERNANDEZ III3 | 12201 BRADBURY DR EL PASO, TX 79928 | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | — | $5K | 0.36% |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $70 | $10K | — |
| EDUARDO HERNANDEZ III3 | 12201 BRADBURY DR EL PASO, TX 79928 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| PATRICIA HERNANDEZ3 | 12201 BRADBURY DR EL PASO, TX 79928 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $61 | $8K | — |
| EDUARDO HERNANDEZ III3 | 12201 BRADBURY DR EL PASO, TX 79928 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | — |
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 | 2,383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,383 | $9.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,383 | $9.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,666 | $7.1M |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,666 | $7.1M |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,666 | $7.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,383 | $7.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,383 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.