| 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 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 13.02% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE 3894 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.10% |
| 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 | $2K | $4K | 15.09% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $714 | $2K | 15.15% |
| 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 | $640 | $2K | 14.91% |
| 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 | $745 | $381 | $1K | 15.11% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SAN ANTONIO, TX 78216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $512 | — | $512 | 21.90% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 206 | $94K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $2K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $30K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $20K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 154 | $224K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.