| 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 | $125K | — | $125K | 15.66% |
| 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 | $7K | — | $7K | 3.68% |
| 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 | $6K | — | $6K | 11.44% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | $766 | $4K | 7.65% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $397 | $2K | 2.99% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1K | $341 | $1K | 2.38% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $611 | $440 | $1K | 1.85% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $795 | $206 | $1K | 1.76% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $753 | $218 | $971 | 1.71% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $378 | $5 | $383 | 0.68% |
| GALE SIMPSON3 | 1830 CONNIE DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $252 | $59 | $311 | 0.55% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $127 | $140 | $267 | 0.47% |
| LEONIDES H VILLA | 522 E. VALLARET BLVD. SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $86 | — | $86 | 0.15% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 5220 SPRING VALLEY RD DALLAS, TX 75254 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $79 | — | $79 | 0.14% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 72069 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $45 | — | $45 | 0.08% |
| CYNTHIA M ANGEL3 | 1320 DOVE BROOK DR ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| 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 | — | $8K | 19.39% |
| 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 | $6K | — | $6K | 19.35% |
| 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 | $5K | — | $5K | 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 | 19.78% |
| 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 | 19.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EFLEX EIN 39-1561025 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $23K |
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 | 8,988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,792 | $796K |
| Vision(4 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 518 | $125K |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 5,709 | $286K |
| Short-term disability | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 78 | $57K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 871 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,709 | — |
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.