| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INS AGY INC3 Filed as: SHEPARD & WALTON | 1906B E TYLER HARLINGEN, TX 78550 | ALLEGIAN HEALTH PLANS | $16K | — | $16K | 4.26% |
| SHEPARD & WALTON LIFE INS AGENCY3 | 1906 E TYLER AVE STE B HARLINGEN, TX 785507109 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $310 | $6K | 12.85% |
| ANNA M SPENCER3 Filed as: ANNA A SPENCER | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $4K | $256 | $4K | 11.65% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $655 | $56 | $711 | 2.20% |
| AMANDO R RAMOS JR3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $686 | — | $686 | 2.12% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $487 | — | $487 | 1.51% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $248 | — | $248 | 0.77% |
| BENEFITS AT WORK LLC3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $191 | — | $191 | 0.59% |
| MARK A KOITE3 | 535 W SWANSON ST SAN BENITO, TX 78586 | AFLAC | $178 | — | $178 | 0.55% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $114 | $56 | $170 | 0.53% |
| RAQUEL GONZALEZ3 | 3401 N MAYBERRY RD APT 1018 MISSION, TX 78573 | AFLAC | $41 | $38 | $79 | 0.24% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 A HARMON CIRCLE BLUE RIDGE, TX 75424 | AFLAC | $54 | — | $54 | 0.17% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $53 | — | $53 | 0.16% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $17 | — | $17 | 0.05% |
| EUGENIA G ALVAREZ3 | PO BOX 2754 MCALLEN, TX 78502 | AFLAC | $16 | — | $16 | 0.05% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $12 | — | $12 | 0.04% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $11 | — | $11 | 0.03% |
| DINO X CHAVEZ3 | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $9 | — | $9 | 0.03% |
| ELIZABETH P ISLAS3 | 1605 SOUTH LINDEN AVENUE PHARR, TX 78577 | AFLAC | $4 | — | $4 | 0.01% |
| EUGENIA G ALVAREZ3 | 701 HIBICUS AVE APT 9 MCALLEN, TX 78501 | AFLAC | $3 | — | $3 | 0.01% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLEGIAN HEALTH PLANS | 108 | $372K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $77K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $77K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $77K |
| Other | AFLAC | 59 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.