| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $46K | $51K | 5.87% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 10425 SOUTH 82ND STREET TULSA, OK 74133 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $503 | $0 | $503 | 0.06% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $23K | 21.48% |
| SWBC LIFE INSURANCE AGENCY, INC.5 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $773 | $773 | 0.72% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $870K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $870K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $870K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $870K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.