| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $119K | $12K | $131K | 11.41% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC. | 9311 SAN PEDRO AVENUE, STE 550 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS | $9K | — | $9K | 3.47% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 8.88% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $347 | $3K | 6.09% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $226 | $2K | 2.95% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $883 | $269 | $1K | 2.16% |
| SA GENERAL AGENCY INC Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $610 | $999 | 1.87% |
| JOHN DAVID BODKER3 | 11230 WEST AVENUE SAN ANTONIO, TX 78213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $220 | $458 | $678 | 1.27% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $15 | $468 | 0.88% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 0.54% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $210 | $11 | $221 | 0.41% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $12 | $220 | 0.41% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC. | 5220 SPRING VALLEY ROAD DALLAS, TX 75254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.11% |
| LEONIDES H VILLA3 | 522 EAST VILLARET BOULEVARD SAN ANTONIO, TX 78221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $4 | $59 | 0.11% |
| JOHN MILES ROWAN3 | 1114 SHADY OAK CIRCLE MCKINNEY, TX 75070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.10% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.08% |
| CYNTHIA M ANGEL3 | 1320 DOVE BROOK DRIVE ALLEN, TX 75002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS, LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $11 | $17 | 0.03% |
| MICHAEL BLOCK3 | 16619 SOUTH PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.02% |
| 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 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | HYATT LEGAL PLANS | $1K | — | $1K | 9.34% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 782164471 | HUMANA INSURANCE COMPANY | $2 | — | $2 | 2.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EFLEX EIN 39-1561025 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $30K |
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 | 10,572 | 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) | 10,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS | 199 | $262K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,892 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,892 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,397 | $1.2M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $53K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,892 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,397 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.