| 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. | $17K | — | $17K | 5.00% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $2K | $2K | 0.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LL | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | GUARDIAN | $6K | — | $6K | 19.21% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSURANC | 8217 SHOAL CREEK BLVD SUITE 108 AUSTIN, TX 78757 | GUARDIAN | $3K | $348 | $4K | 12.75% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BLVD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 30.40% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 17.60% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 17.33% |
| JAVIER LEON3 | 3811 ALVARADO ST EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $35 | $2K | 6.07% |
| FEDERICO BERLANGA3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $670 | $1K | 4.78% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $909 | $91 | $1K | 4.02% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TER APT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $247 | $926 | 3.72% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $349 | $533 | 2.14% |
| SAMUEL MORENO3 | 5820 N 25TH ST MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $48 | $162 | 0.65% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $44 | $139 | 0.56% |
| DION CHAVEZ3 | PO BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $48 | $118 | 0.47% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.31% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | — | $806 | $806 | 3.51% |
| ANNA M SPENCER3 | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $1K | $56 | $1K | 7.82% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $622 | $13 | $635 | 4.01% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $249 | $13 | $262 | 1.65% |
| GUSTAVO ALVARADO3 | 1310 N 21ST ST MCALLEN, TX 78501 | AFLAC | $181 | — | $181 | 1.14% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $83 | — | $83 | 0.52% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $32 | — | $32 | 0.20% |
| CHRISTINA I PEREZ3 | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $28 | — | $28 | 0.18% |
| 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 | 0.03% |
| 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% |
| 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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 31 | $331K |
| Dental | HUMANA INSURANCE COMPANY | 31 | $23K |
| Vision | HUMANA INSURANCE COMPANY | 31 | $23K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 119 | $52K |
| Short-term disability | AFLAC | 29 | $16K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 119 | $93K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.