| 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. | — | $3K | $3K | 1.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LL | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | GUARDIAN | $11K | — | $11K | 38.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSURANC | 8217 SHOAL CREEK BLVD SUITE 108 AUSTIN, TX 78757 | GUARDIAN | $5K | $671 | $6K | 21.59% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.21% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | — | $222 | $222 | 0.99% |
| ANNA M SPENCER3 | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $2K | — | $2K | 12.31% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $316 | — | $316 | 1.94% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $250 | — | $250 | 1.53% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $82 | — | $82 | 0.50% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $31 | — | $31 | 0.19% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $28 | — | $28 | 0.17% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $13 | — | $13 | 0.08% |
| 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 | $6 | — | $6 | 0.04% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $5 | — | $5 | 0.03% |
| 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% |
| ELADIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $2 | — | $2 | 0.01% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $1 | — | $1 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 56 | $260K |
| Dental | HUMANA INSURANCE COMPANY | 27 | $22K |
| Vision | HUMANA INSURANCE COMPANY | 27 | $22K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 106 | $50K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 106 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.