| 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. | $13K | — | $13K | 5.00% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $2K | $2K | 0.62% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.04% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | — | $69 | $69 | 0.20% |
| ANNA M SPENCER3 | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $2K | $93 | $2K | 11.85% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $287 | $19 | $306 | 1.81% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $243 | $19 | $262 | 1.55% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $87 | — | $87 | 0.51% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $37 | — | $37 | 0.22% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $30 | — | $30 | 0.18% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $16 | — | $16 | 0.09% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $16 | — | $16 | 0.09% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $8 | — | $8 | 0.05% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $7 | — | $7 | 0.04% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $6 | — | $6 | 0.04% |
| DINO X CHAVEZ3 | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $5 | — | $5 | 0.03% |
| ANDREW M GARCIA3 | 906 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AFLAC | $4 | — | $4 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $3 | — | $3 | 0.02% |
| MARK A KOITE3 | 535 W SWANSON ST SAN BENITO, TX 78586 | AFLAC | $3 | — | $3 | 0.02% |
| ELADIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $2 | — | $2 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | STE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299 | $16 | $315 | 12.22% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE | INSURANCE AGENCY INC PO BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | $4 | $133 | 5.16% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 62 | $266K |
| Dental | HUMANA INSURANCE COMPANY | 113 | $34K |
| Vision | HUMANA INSURANCE COMPANY | 113 | $34K |
| Life insurance | HUMANA INSURANCE COMPANY | 113 | $34K |
| Short-term disability | AFLAC | 21 | $17K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 113 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.