| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | — | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 6.43% |
| INSURORS OF TEXAS GENERAL AGENCY, L3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.14% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY INC | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.41% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSURANC | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $70 | $6K | 21.39% |
| OPES ONE ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.21% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY INC | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $607 | $4K | 17.45% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY INC | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $584 | $4K | 17.77% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY | PO BOX 1830 HARLINGEN, TX 78551 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY INC | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $899 | $189 | $1K | 18.15% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 226 | $747K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 226 | $747K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 102 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $21K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.