| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| JOE P SEEWALD3 Filed as: JOE P. SEEWALD | 1409 BRANCHWOOD SAN ANTONIO, TX 78248 | AFLAC | $444 | $0 | $444 | 6.86% |
| ROMAN CARRASCO3 Filed as: ROMAN CARRASCO AND OTHER AGENTS | 40 NE LOOP 410, SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $109 | $0 | $109 | 1.68% |
| RICHARD L JONES JR3 Filed as: RICHARD L. JONES JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $108 | $0 | $108 | 1.67% |
| BRENT FORD3 Filed as: BRENT A. FORD | 40 NE LOOP 410, SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $79 | $0 | $79 | 1.22% |
| RUDY VALDEZ3 | 6515 CHAPEL FOREST SAN ANTONIO, TX 78239 | AFLAC | $68 | $0 | $68 | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $52 | $0 | $52 | 0.80% |
| GARRETT PAYNE3 | 1001 SAN FRANCISCO SAN ANTONIO, TX 78201 | AFLAC | $31 | $0 | $31 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $123 | $123 | 2.59% |
| SHELLY L. LISKA3 | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 7.66% |
| TIMOTHY J REED Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 2.02% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 1.61% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.01% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.81% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.20% |
| BILLY MARK ROBERSON3 Filed as: BILLY M. ROBERSON AND OTHER AGENTS | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.20% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $17K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $17K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.