| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO, SUITE 550 SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 12.72% |
| JOE P SEEWALD3 Filed as: JOE P. SEEWALD | 1409 BRANCHWOOD SAN ANTONIO, TX 78248 | AFLAC | $4K | $134 | $4K | 5.66% |
| RICHARD L JONES JR3 Filed as: RICHARD L. JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $2K | $33 | $2K | 2.21% |
| RONALD J ZULLO3 Filed as: RONALD J. ZULLO AND OTHER AGENTS | 6700 TOWERING RIDGE WAY APARTMENT 144 CINCINNATI, OH 45247 | AFLAC | $2K | $38 | $2K | 2.16% |
| BRENT FORD3 Filed as: BRENT A. FORD | 40 NE LOOP 410, SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $1K | $37 | $1K | 1.64% |
| RUDY VALDEZ3 | 6515 CHAPEL FROST SAN ANTONIO, TX 78239 | AFLAC | $369 | $0 | $369 | 0.47% |
| PAMELA GOODMAN3 | PO BOX 784 JOURDANTON, TX 78026 | AFLAC | $307 | $0 | $307 | 0.39% |
| MARISOL HERNANDEZ3 | 8019 CEREZO SAN ANTONIO, TX 78250 | AFLAC | $281 | $0 | $281 | 0.36% |
| SHELLY L. LISKA3 Filed as: SHELLY K. LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $0 | $320 | 3.50% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.96% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.76% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.48% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.37% |
| OMAR MENDOZA3 Filed as: OMAR MENDOZA AND OTHER AGENTS | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.12% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $194K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $203K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $194K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.