| 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 600 SAN ANTONIO, TX 78216 | UNITED HEALTHCARE INSURANCE COMPANY | $115K | $0 | $115K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 3.50% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $15K | $0 | $15K | 24.90% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $7K | $2K | $9K | 15.00% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $4K | $5K | 8.76% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $1K | $4K | 6.76% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $994 | $4K | 5.98% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $1K | $3K | 5.81% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $914 | $3K | 5.73% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $620 | $1K | $2K | 3.31% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $621 | $64 | $685 | 1.15% |
| GALE SIMPSON3 | 1830 CONNIE DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $263 | $16 | $279 | 0.47% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 5220 SPRING VALLEY RD DALLAS, TX 75254 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $73 | $0 | $73 | 0.12% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $47 | $0 | $47 | 0.08% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 72069 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $42 | $0 | $42 | 0.07% |
| CYNTHIA M ANGEL3 | 1320 DOVE BROOK DR ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | CATHOLIC LIFE INSURANCE | $4K | $0 | $4K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 19.61% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | HUMANA | -$194 | $7 | -$187 | — |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 600 SAN ANTONIO, TX 78216 | HUMANA | -$612 | $1K | $388 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EFLEX EIN 39-1561025 | Plan Administrator Service code 14 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $20K |
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 | 8,956 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,646 | $768K |
| Dental | HUMANA | 0 | $0 |
| Vision(4 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 695 | $149K |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 6,174 | $308K |
| Short-term disability | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 81 | $60K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,087 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,174 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.