| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLY JO GARCIA3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $10K | $563 | $11K | 3.62% |
| MARY BETH SNYDER3 Filed as: MARY BOYD INSURANCE AGENCY, INC. | 2510 W MARK CIR HARLINGEN, TX 78550 | AFLAC | $9K | $199 | $9K | 3.13% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $7K | $208 | $7K | 2.37% |
| VERONICA LIZCANO3 | 3309 W TEMPLE DR EDINBURG, TX 78541 | AFLAC | $3K | $133 | $3K | 1.00% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $2K | $0 | $2K | 0.67% |
| BERTHA ORDAZ3 | 401 UNION AVE. MISSION, TX 78572 | AFLAC | $2K | $101 | $2K | 0.63% |
| JAMES R BLACKBURN3 | PO BOX 460 RAYMONDVILLE, TX 78580 | AFLAC | $2K | $0 | $2K | 0.62% |
| SANDRA SMITH3 | 25719 COPPERAS LN SAN ANTONIO, TX 78260 | AFLAC | $2K | $0 | $2K | 0.54% |
| MEGAN L GONZALEZ3 | 3009 ZENAIDA AVE MCALLEN, TX 78504 | AFLAC | $1K | $172 | $2K | 0.53% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $1K | $0 | $1K | 0.40% |
| CARMEN MARIA PEDRAZA-SILVA3 | 9604 ROCKWOOD DR EDINBURG, TX 78541 | AFLAC | $665 | $0 | $665 | 0.22% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $577 | $0 | $577 | 0.20% |
| MARTHA S SALDANA3 | 4525 RESACA SOUTH ST HARLINGEN, TX 78552 | AFLAC | $561 | $0 | $561 | 0.19% |
| NANCY WRIGHT3 | 1670 GUADALAJARA AVE BROWNSVILLE, TX 78526 | AFLAC | $266 | $0 | $266 | 0.09% |
| BARBARA BAROS3 | 5301 GOSHEN CT. CORPUS CHRISTI, TX 78413 | AFLAC | $233 | $0 | $233 | 0.08% |
| OSCAR MARTINEZ3 | 1507 MELINDA DR MISSION, TX 78572 | AFLAC | $172 | $0 | $172 | 0.06% |
| SUSAN LYNN DAVIS3 | 1608 VICTORIA DR DENTON, TX 76209 | AFLAC | $163 | $0 | $163 | 0.06% |
| DAVID K LONGORIA3 | 302 PARKVIEW DR HARLINGEN, TX 78550 | AFLAC | $158 | $0 | $158 | 0.05% |
| ELACIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $143 | $0 | $143 | 0.05% |
| LINDA CANTU3 | 6401 N LA VILLITA ST EDINBURG, TX 78542 | AFLAC | $141 | $0 | $141 | 0.05% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78504 | AFLAC | $102 | $0 | $102 | 0.03% |
| BENJAMIN I GARCIA3 Filed as: BENJAMIN GARCIA | PO BOX 720593 MCALLEN, TX 78504 | AFLAC | $102 | $0 | $102 | 0.03% |
| FRANK D LAFEMINA3 | 465 S GUADALUPE ST, STE. 120 SAN MARCOS, TX 78666 | AFLAC | $92 | $0 | $92 | 0.03% |
| BELINDA ZARATE3 | 1414 E SONADOR DR S EDINBURG, TX 78542 | AFLAC | $77 | $0 | $77 | 0.03% |
| ANDREW M GARCIA3 | 906 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AFLAC | $75 | $0 | $75 | 0.03% |
| SHERRY HOPE CORTEZ3 | 27216 N STATE HWY 345 SAN BENITO, TX 78586 | AFLAC | $72 | $0 | $72 | 0.02% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $70 | $0 | $70 | 0.02% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $54 | $0 | $54 | 0.02% |
| DELIA Z RIVERA3 | 622 W BUCHANAN ST, STE. C HARLINGEN, TX 78550 | AFLAC | $50 | $0 | $50 | 0.02% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 177 | $36K |
| Short-term disability | AFLAC | 216 | $296K |
| Other(2 contracts, 2 carriers) | AFLAC | 291 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.