| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 | 3519 PAESANOS PKWY, STE 106 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.31% |
| AMCORP3 | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $5K | $45K | 11.53% |
| WILLIAM E ZINSMEYER & ASSOCIATES3 | 941 PROTON RD SAN ANTONIO, TX 78258 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| AMCORP3 | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 16.23% |
| AMCORP3 | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $5 | $7K | 15.04% |
| AMCORP3 | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 563 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $393K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 482 | $29K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $393K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $393K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.