| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALMER INSURANCE GROUP INC3 | 481 N RESLER DRIVE STE D EL PASO, TX 79912 | BLUECROSS BLUESHIELD OF TEXAS | $8K | $298 | $9K | 2.83% |
| JOE M. BERNAL3 Filed as: JOE BERNAL FINANCIAL SERVICES INC | 11380 MONTWOOD DR. EL PASO, TX 79936 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.70% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLR ST PETERSBURG, FL 337014200 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.68% |
| BALMER INSURANCE GROUP INC3 | 5658 BURNING TREE P.O. BOX 12609 EL PASO, TX 79913 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.85% |
| BERNAL, JOE M3 | 11380 MONTWOOD DR EL PASO, TX 79913 | HUMANA INSURANCE COMPANY | $87 | — | $87 | 0.42% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $965 | — | $965 | 7.58% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.64% |
| REYNOLDS SCOTT W3 | 164 SEABREEZE MANOR CT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 64 | $307K |
| Dental | HUMANA INSURANCE COMPANY | 38 | $21K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.