| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSNATIONAL ADVISORS, LLC3 | 14100 SAN PEDRO AVENUE SUITE 760 SAN ANTONIO, TX 78232 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $72K | $0 | $72K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 13.42% |
| CHRISTIE ANNE HOFF3 Filed as: CHRISTIE ANNE HOFF AND OTHER AGENTS | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.13% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.81% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.70% |
| TRANSNATIONAL ADVISORS, LLC3 | 1411 SAN PEDRO AVENUE SUITE 760 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.17% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.01% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.50% |
| TRANSNATIONAL ADVISORS, LLC3 | 14100 SAN PEDRO AVENUE, SUITE 760 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $696 | $0 | $696 | 2.36% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER WILSON & OTHER AGENTS | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $497 | $0 | $497 | 1.69% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | $0 | $464 | 1.57% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | $0 | $414 | 1.40% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $386 | $0 | $386 | 1.31% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | $0 | $346 | 1.17% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $442 | $0 | $442 | 2.98% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,497 | $15K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $765K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $479K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $479K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $783K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,497 | — |
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.