| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA HEALTH PLAN OF TEXAS, INC. | $19K | — | $19K | 5.00% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $5K | $5K | 1.34% |
| ANNA M SPENCER3 | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $2K | — | $2K | 5.35% |
| ANNA M SPENCER3 Filed as: ANNA A SPENCER | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $1K | — | $1K | 4.67% |
| MARIA D MELENDEZ3 Filed as: MARIA S ESPINOSA | 705 W EMERALD DR APT D PHARR, TX 78577 | AFLAC | $1K | — | $1K | 4.01% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $599 | — | $599 | 1.90% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $188 | — | $188 | 0.60% |
| BENEFITS AT WORK LLC3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $149 | — | $149 | 0.47% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $112 | — | $112 | 0.36% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $104 | — | $104 | 0.33% |
| AMANDO R RAMOS JR3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $102 | — | $102 | 0.32% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $94 | — | $94 | 0.30% |
| RAQUEL GONZALEZ3 | 3401 N MAYBERRY RD APT 1018 MISSION, TX 78573 | AFLAC | $34 | — | $34 | 0.11% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 A HARMON CIRCLE BLUE RIDGE, TX 75424 | AFLAC | $31 | — | $31 | 0.10% |
| MARK A KOITE3 | 535 W SWANSON ST SAN BENITO, TX 78586 | AFLAC | $24 | — | $24 | 0.08% |
| EUGENIA G ALVAREZ3 | PO BOX 2754 MCALLEN, TX 78502 | AFLAC | $18 | — | $18 | 0.06% |
| BILLY KEITH3 | 3827 N 10TH ST SUITE 303 MCALLEN, TX 78501 | AFLAC | $17 | — | $17 | 0.05% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $16 | — | $16 | 0.05% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $12 | — | $12 | 0.04% |
| ANDREW M GARCIA3 | 906 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AFLAC | $12 | — | $12 | 0.04% |
| DINO X CHAVEZ3 | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $9 | — | $9 | 0.03% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $8 | — | $8 | 0.03% |
| ELADIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $4 | — | $4 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.00% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.42% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | — | $259 | $259 | 0.88% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANADENTAL INSURANCE COMPANY | $384 | — | $384 | 10.01% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANADENTAL INSURANCE COMPANY | — | $33 | $33 | 0.86% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 84 | $371K |
| Dental | HUMANA INSURANCE COMPANY | 119 | $30K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 25 | $4K |
| Life insurance | HUMANA INSURANCE COMPANY | 119 | $30K |
| Other(2 contracts, 2 carriers) | AFLAC | 119 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.