| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | IHC RISK SOLUTIONS | $34K | — | $34K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $308 | $8K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | $20 | $54 | 0.07% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $316 | — | $316 | 0.87% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $206 | — | $206 | 0.93% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | AIG | $2K | — | $2K | 10.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $118 | — | $118 | 0.84% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $762 | — | $762 | 9.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $79 | — | $79 | 0.94% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $705 | — | $705 | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE DRIVE SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $65 | — | $65 | 0.84% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $81K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 162 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $22K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $16K |
| Stop-loss / reinsurancereinsurance | IHC RISK SOLUTIONS | 319 | $227K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.