| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSNATIONAL ADVISORS, LLC3 | 901 NE LOOP 410, SUITE 526 SAN ANTONIO, TX 78217 | UNION SECURITY INSURANCE COMPANY | $43K | — | $43K | 12.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 782324 SAN ANTONIO, TX 78278 | UNION SECURITY INSURANCE COMPANY | — | $15K | $15K | 4.35% |
| TRANSNATIONAL ADVISORS, LLC3 | 14100 SAN PEDRO AVENUE, SUITE 760 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 10.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 7.06% |
| MJ INSURANCE3 Filed as: CINDY V. SHIELD AND VARIOUS AGENTS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 3.47% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.85% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.65% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.54% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $317 | — | $317 | 2.53% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,257 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 625 | $553K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 625 | $336K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 625 | $336K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 625 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.