| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC. | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $757K | $47K | $804K | 5.15% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $524K | — | $524K | 12.23% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | — | $65K | 21.97% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | — | $60K | 22.40% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 22.37% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $13K | — | $13K | 12.50% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $12K | — | $12K | 12.50% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE SUITE 550 SAN ANTONIO, TX 78216 | CATHOLIC LIFE INSURANCE | $11K | — | $11K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC. Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | — | $0 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 12.50% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 3.37% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 3.25% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.94% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.52% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.44% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.29% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.29% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.26% |
| JOHN MILES ROWAN3 | 1610 HILL ST MCKINNEY, TX 75069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.21% |
| GLADY R ROWAN3 | 202 WEST LOUISIANA ST., STE 109 MCKINNEY, TX 75069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.19% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN, STE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| GALE SIMPSON3 | 59 CARPIN CIR PAGOSA SRPINGS, CO 81147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| MICHAEL BLOCK3 | 16619 SOUTH PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | METLIFE LEGAL PLANS, INC. | $131 | — | $131 | 10.11% |
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 | 15,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 501 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 3,385 | $16.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,807 | $4.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,807 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,456 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,807 | $4.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,807 | $4.3M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,807 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,456 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.