| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNA M SPENCER3 Filed as: ANNA A SPENCER | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $3K | $7 | $3K | 11.28% |
| AMANDO R RAMOS JR3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $686 | — | $686 | 2.28% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $634 | $2 | $636 | 2.11% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $487 | — | $487 | 1.62% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $227 | — | $227 | 0.75% |
| MARK A KOITE3 | 535 W SWANSON ST SAN BENITO, TX 78586 | AFLAC | $178 | — | $178 | 0.59% |
| BENEFITS AT WORK LLC3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $175 | — | $175 | 0.58% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $102 | $2 | $104 | 0.35% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $53 | — | $53 | 0.18% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 A HARMON CIRCLE BLUE RIDGE, TX 75424 | AFLAC | $49 | — | $49 | 0.16% |
| RAGUEL GONZALEZ3 | 3401 N MAYBERRY RD APT 1018 MISSION, TX 78573 | AFLAC | $37 | — | $37 | 0.12% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $16 | — | $16 | 0.05% |
| EUGENIA G ALVAREZ3 | PO BOX 2754 MCALLEN, TX 78502 | AFLAC | $14 | — | $14 | 0.05% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $11 | — | $11 | 0.04% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $10 | — | $10 | 0.03% |
| DINO X CHAVEZ3 | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $8 | — | $8 | 0.03% |
| EUGENIA G ALVAREZ3 | 701 HIBISCUS AVE APT 9 MCALLEN, TX 78501 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH P ISLAS3 | 1605 SOUTH LINDEN AVENUE PHARR, TX 78577 | AFLAC | $1 | — | $1 | 0.00% |
| SHEPARD & WALTON LIFE INS AGY INC3 Filed as: SHEPARD & WALTON | 1906B E TYLER HARLINGEN, TX 78550 | ALLEGIAN HEALTH PLANS | $1K | — | $1K | 4.70% |
| SHEPARD & WALTON LIFE INS AGENCY3 | 1906 E TYLER AVE STE B HARLINGEN, TX 785507109 | PRINCIPAL LIFE INSURANCE COMPANY | $446 | — | $446 | 12.25% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLEGIAN HEALTH PLANS | 107 | $29K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $4K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $4K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $4K |
| Other(2 contracts, 2 carriers) | AFLAC | 136 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.