| 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 | $73K | $11K | $83K | 17.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62K | $0 | $62K | 13.59% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.64% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.55% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.45% |
| MJ INSURANCE3 Filed as: FRANCISCA PEREZ AND VARIOUS AGENTS | 9610 DOVE SHADOW SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.42% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.40% |
| TRANSNATIONAL ADVISORS, LLC3 | 14100 SAN PEDRO AVENUE, SUITE 760 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.38% |
| TRANSNATIONAL ADVISORS, LLC3 | 14100 SAN PEDRO AVENUE, SUITE 760 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $912 | $0 | $912 | 2.61% |
| MJ INSURANCE3 Filed as: FRANCISCA PEREZ AND VARIOUS AGENTS | 9610 DOVE SHADOW SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $784 | $0 | $784 | 2.25% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $571 | $0 | $571 | 1.64% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $560 | $0 | $560 | 1.61% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $523 | $0 | $523 | 1.50% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | $0 | $522 | 1.50% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $417 | $0 | $417 | 3.01% |
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 | 615 | 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) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,356 | $14K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 754 | $972K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 754 | $972K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 754 | $484K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 754 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,356 | — |
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.