| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $43K | $0 | $43K | 9.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 3.88% |
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $45 | $20K | 10.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $650 | $326 | $976 | 0.54% |
| TRANSNATIONAL ADVISORS, LLC3 | 18756 STONE OAK PARKWAY, SUITE 200 SAN ANTONIO, TX 78258 | METROPOLITAN LIFE INSURANCE COMPANY | $879 | $0 | $879 | 0.48% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY VECCHIO-WALKER | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | METROPOLITAN LIFE INSURANCE COMPANY | $241 | $0 | $241 | 0.13% |
| CHRISTIE ANNE HOFF3 Filed as: CHRISTIE HOFF | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $213 | $0 | $213 | 0.12% |
| SHARON K CAREW3 Filed as: SHARON CAREW | 802 NORTH ALLEN STREET ROCKPORT, TX 78382 | METROPOLITAN LIFE INSURANCE COMPANY | $107 | $0 | $107 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.57% |
| TRANSNATIONAL ADVISORS, LLC3 | 2727 WOODLEY STREET SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | $0 | $359 | 0.47% |
| JIMMY ORNELAS AND OTHER AGENTS3 | 8330 PINEY WOOD RUN SAN ANTONIO, TX 78255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | $0 | $345 | 0.45% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | $0 | $212 | 0.28% |
| CHRISTIE ANNE HOFF3 | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.26% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 940 BLUE FOREST DRIVE SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.26% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 802 NORTH ALLEN STREET ROCKPORT, TX 78382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | $0 | $139 | 1.35% |
| TRANSNATIONAL ADVISORS, LLC3 | 2727 WOODLEY STREET SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.97% |
| CHRISTIE ANNE HOFF3 Filed as: CHRISTIE ANNE HOFF AND OTHER AGENTS | 2346 COBBLE WAY SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.40% |
| ARTURO A. NAVA3 | 1508 WEST ILLINOIS AVENUE MIDLAND, TX 79701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.40% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 940 BLUE FOREST DRIVE SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.18% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 Filed as: KIMBERLY BRIDGETTE VECCHIO | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.18% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.16% |
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 | 635 | 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) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 635 | $436K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 635 | $523K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 635 | $436K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 635 | $436K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 635 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.