| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH TEJAS INSURANCE AGENCY LLC3 | PO BOX 992 BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1221 SOUTH MAIN STREET, SUITE 208 BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $869 | $55 | $924 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SOUTH TEJAS INSURANCE AGENCY LLC3 | PO BOX 992 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $593 | — | $593 | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 16414 SAN PEDRO, SUITE 950 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $572 | — | $572 | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $471 | — | $471 | 2.88% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $348 | — | $348 | 2.13% |
| MJ INSURANCE3 Filed as: DOMINGO M. MUNOZ AND VARIOUS AGENTS | PO BOX 775 CHARLOTTE, TX 78011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | — | $263 | 1.61% |
| BENEFIT ALLIANCE INC3 Filed as: BENEFIT ALLIANCE | PO BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | — | $250 | 1.53% |
| STEVEN B. KORONCZOK3 | 120 OLD SAN ANTONIO ROAD BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $356 | — | $356 | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | UNITED DENTAL CARE OF TEXAS, INC. | $707 | — | $707 | 9.99% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 50 | $38K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 132 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $91K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.