| 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. | $3K | — | $3K | 0.81% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BLVD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 16.50% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $804 | $3K | 8.84% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $2K | $3K | 7.44% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TER APT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $729 | $207 | $936 | 2.78% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $186 | $877 | 2.61% |
| JAVIER LEON3 | 3811 ALVARADO ST EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $92 | $856 | 2.55% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $1 | $290 | 0.86% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $56 | $126 | 0.37% |
| SAMUEL MORENO3 | 5820 N 25TH ST MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $8 | $61 | 0.18% |
| DION CHAVEZ3 | PO BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $3 | $20 | 0.06% |
| SHEPARD & WALTON LIFE INS AGY INC3 | 1906 E TYLER STE B HARLINGEN, TX 785507109 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.30% |
| INSURORS GROUP LLC3 | PO BOX 10587 COLLEGE STA, TX 778420587 | HUMANA INSURANCE COMPANY | $232 | — | $232 | 0.72% |
| ANNA M SPENCER3 Filed as: ANNA SPENCER | 3401 KIWI ST MCALLEN, TX 78504 | AFLAC | $2K | $9 | $2K | 13.29% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $446 | $10 | $456 | 2.43% |
| ERIKA HERRERA3 | 1301 CANAL LN PHARR, TX 78577 | AFLAC | $353 | — | $353 | 1.88% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $297 | $28 | $325 | 1.73% |
| GUSTAVO ALVARADO3 | 1310 N 21ST ST MCALLEN, TX 78501 | AFLAC | $259 | $13 | $272 | 1.45% |
| DENNIS ESCOBAR3 | 2012 W JONQUIL AVE MCALLEN, TX 78501 | AFLAC | $92 | — | $92 | 0.49% |
| ELIZABETH P ISLAS3 Filed as: ELIZABETH ISLAS | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $46 | — | $46 | 0.24% |
| CHRISTINA I PEREZ3 Filed as: CHRISTINA PEREZ | PO BOX 720914 MCALLEN, TX 78504 | AFLAC | $29 | — | $29 | 0.15% |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $24 | — | $24 | 0.13% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $11 | — | $11 | 0.06% |
| JOE A DEPASQUAL3 Filed as: JOE DEPASQUAL | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $10 | — | $10 | 0.05% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $5 | — | $5 | 0.03% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $4 | — | $4 | 0.02% |
| ANDREW M GARCIA3 Filed as: ANDREW GARCIA | 906 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AFLAC | $3 | — | $3 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $3 | — | $3 | 0.02% |
| ELADIO MOREN DAVILA3 Filed as: ELADIO DAVILA | 4132 N 23RD ST MCALLEN, TX 78504 | AFLAC | $2 | — | $2 | 0.01% |
| DINO X CHAVEZ3 Filed as: DINO CHAVEZ | 405 W JEFFERSON ST BROWNSVILLE, TX 78520 | AFLAC | $1 | — | $1 | 0.01% |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 53 | $385K |
| Dental | HUMANA INSURANCE COMPANY | 116 | $32K |
| Vision | HUMANA INSURANCE COMPANY | 116 | $32K |
| Life insurance | HUMANA INSURANCE COMPANY | 116 | $32K |
| Short-term disability | AFLAC | 28 | $19K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.