| 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. | $18K | — | $18K | 5.00% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $6K | $6K | 1.59% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.51% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | — | $275 | $275 | 0.95% |
| ANNA M SPENCER3 | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $2K | $118 | $2K | 12.51% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $243 | $29 | $272 | 1.77% |
| MARIA D MELENDEZ3 Filed as: MARIA S ESPINOSA | 705 W EMERALD DR APT D PHARR, TX 78577 | AFLAC | $179 | $54 | $233 | 1.51% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $138 | — | $138 | 0.90% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $117 | — | $117 | 0.76% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $48 | — | $48 | 0.31% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $37 | — | $37 | 0.24% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $29 | — | $29 | 0.19% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $26 | — | $26 | 0.17% |
| BENEFITS AT WORK LLC3 | PO BOX 49909 AUSTIN, TX 78765 | AFLAC | $25 | — | $25 | 0.16% |
| AMANDO R RAMOS JR3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $24 | — | $24 | 0.16% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $11 | — | $11 | 0.07% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $11 | — | $11 | 0.07% |
| BILLY KEITH3 | 3827 N 10TH ST STE 303 MCALLEN, TX 78501 | AFLAC | $11 | — | $11 | 0.07% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $8 | — | $8 | 0.05% |
| DINO X CHAVEZ3 | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $8 | — | $8 | 0.05% |
| ANDREW M GARCIA3 | 906 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AFLAC | $8 | — | $8 | 0.05% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $3 | — | $3 | 0.02% |
| ELADIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $3 | — | $3 | 0.02% |
| MARK A KOITE3 | 535 W SWANSON ST SAN BENITO, TX 78586 | AFLAC | $3 | — | $3 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 HARMON CIR APT A BLUE RIDGE, TX 75424 | AFLAC | $3 | — | $3 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 A HARMON CIRCLE BLUE RIDGE, TX 75424 | AFLAC | $3 | — | $3 | 0.02% |
| EUGENIA G ALVAREZ3 | PO BOX 2754 MCALLEN, TX 78502 | AFLAC | $2 | — | $2 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.01% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANADENTAL INSURANCE COMPANY | $475 | — | $475 | 10.01% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANADENTAL INSURANCE COMPANY | — | $45 | $45 | 0.95% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 87 | $366K |
| Dental | HUMANA INSURANCE COMPANY | 122 | $29K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 33 | $5K |
| Life insurance | HUMANA INSURANCE COMPANY | 122 | $29K |
| Short-term disability | AFLAC | 29 | $15K |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 122 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.