| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $65K | $4K | $69K | 3.39% |
| TEXAS AUTO DEALERS ASSOCIATION3 | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $6K | $6K | 2.73% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA, CA 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $525 | $0 | $525 | 0.24% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.76% |
| JEFF A FORBES3 Filed as: JEFF A. FORBES | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.85% |
| NICANDRO LOPEZ3 | 14407 ALLWOOD STREET SAN ANTONIO, TX 78233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $436 | $0 | $436 | 0.34% |
| EDUARDO A SAENZ3 Filed as: EDUARDO A. SAENZ | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | $0 | $307 | 0.24% |
| DANIEL SOSA3 | 5250 PRUE ROAD, BUILDING S5 SUITE 525 SAN ANTONIO, TX 78240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.14% |
| OSCAR H. MUNOZ AND OTHER AGENTS3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | $0 | $166 | 0.13% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH STREET SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.13% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.28% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.02% |
| JEFF A FORBES3 Filed as: JEFF FORBES | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $930 | $0 | $930 | 2.59% |
| HEWLETT INSURANCE GROUP LLC3 Filed as: HEWLETT INSURANCE GROUP, LLC | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $246 | $0 | $246 | 0.68% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 0.43% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $999 | $0 | $999 | 5.43% |
| JEFF A FORBES3 Filed as: JEFF A. FORBES | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | $0 | $443 | 2.41% |
| DANIEL SOSA3 | 5250 PRUE ROAD, BUILDING S5 SUITE 525 SAN ANTONIO, TX 78240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 1.45% |
| EDUARDO A SAENZ3 Filed as: EDUARDO A. SAENZ | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.42% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH STREET SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.22% |
| ROGELIO R. ESPARZA3 | 1314 SOUTH A STREET HARLINGTON, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.20% |
| NICANDRO LOPEZ3 | 14407 ALLWOOD STREET SAN ANTONIO, TX 78233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.12% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 337 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 337 | $2.0M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 393 | $23K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 98 | $164K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 149 | $216K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 149 | $216K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 337 | $2.0M |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 98 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.