| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SERVIC | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.00% |
| AMCORP3 | 3519 PAESANO PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | PO BOX 71542 SAN ANTONIO, TX 78278 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.68% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $784 | — | $784 | 1.54% |
| SHARON L JOHNSON3 | 409 COLONY DRIVE CORPUS CHRISTY, TX 78412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | — | $377 | 0.74% |
| GILLIAN C SPENGLER3 | 51 WEST BAR LE DOC DRIVE CORPUS CHRISTI, TX 78414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SERVIC | 3519 PAESANOS WAY SUITE 106 SAN ANTONIO, TX 78231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.19% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 227 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 277 | $406K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.