| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 329 HIGHWAY 6, SUITE A WACO, TX 76710 | BLUE CROSS BLUE SHIELD OF TEXAS | $19K | — | $19K | 4.82% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 9.94% |
| FIDELITY BENEFITS & INSURANCE3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.43% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $361 | $525 | $886 | 2.94% |
| PAUL DORTON3 | 18207 INDIAN ROW SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | — | $737 | 2.44% |
| DALLAS MORENO3 | 6135 RIDGE PLACE SAN ANTONIO, TX 78250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 1.14% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL CHANDLER | 16927 UNION CAVERN SAN ANTONIO, TX 78247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $85 | $333 | 1.10% |
| TRINIDAD ROSALES3 | 477 BROOKHOLLOW NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.30% |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE & FERGUSON INS. AGENCY, INC | 143 E AUSTIN GIDDINGS, TX 78942 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ETHOS RISK ADVISORS LLC3 | 4547 LAKESHORE DRIVE WACO, TX 76710 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $644 | — | $644 | 14.99% |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE GROUP | 4547 LAKE SHORE DRIVE WACO, TX 76710 | ACE USA GROUP | $217 | — | $217 | 5.97% |
| BAILEY & ASSOCIATES FINANCIAL3 | P.O. BOX 298 WACO, TX 76703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 14.78% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 0 | $392K |
| Dental | UNION SECURITY INSURANCE COMPANY | 0 | $25K |
| Vision | ACE USA GROUP | 0 | $4K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 0 | $392K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 0 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.