| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIA GROUP, LLC3 | 8000 IH 10 WEST, SUITE 950 SAN ANTONIO, TX 78230 | BLUECROSS BLUESHIELD OF TEXAS | $129K | $11 | $129K | 4.96% |
| INSURORS OF TEXAS GENERAL AGENCY3 | UNKNOWN SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $3K | $3K | 0.12% |
| SHEPARD & WALTON LIFE INS AGENCY3 Filed as: SHEPARD AND WALTON LIFE INS. AGENCY | 1906 EAST TYLER AVENUE, SUITE B HARLINGEN, TX 78550 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2 | $2 | 0.00% |
| TIA GROUP, LLC3 | 8000 IH 10 WEST, SUITE 950 SAN ANTONIO, TX 78230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 14.58% |
| TIA GROUP, LLC3 | 8000 WEST INTERSTATE 10, SUITE 950 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $21K | 9.02% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 739 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 746 | $231K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 746 | $231K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $292K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $292K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $292K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 739 | $2.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.