| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 13.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $162 | $17K | 8.74% |
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.33% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY VECCHIO-WALKER | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| SHARON K CAREW3 Filed as: SHARON CAREW | 1250 HIDDEN CAVE DRIVE NEW BRAUFELS, TX 78132 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $934 | $0 | $934 | 1.65% |
| JIMMY ORNELAS AND OTHER AGENTS3 | 8330 PINEY WOOD RUN SAN ANTONIO, TX 78255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | $0 | $260 | 0.46% |
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.44% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | $0 | $158 | 0.28% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 940 BLUE FOREST DRIVE SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | $0 | $157 | 0.28% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.27% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 802 NORTH ALLEN STREET ROCKPORT, TX 78382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | $0 | $129 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.33% |
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.96% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW AND OTHER AGENTS | 802 NORTH ALLEN STREET ROCKPORT, TX 78382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.42% |
| ARTURO A. NAVA3 | 1508 WEST ILLINOIS AVENUE MIDLAND, TX 78701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.32% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.25% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 940 BLUE FOREST DRIVE SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.23% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.19% |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 617 | $455K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 617 | $519K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 617 | $455K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 617 | $455K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 617 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.