| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SERVIC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TN 78231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 2.50% |
| AMCORP3 Filed as: AMCORP INS & FINANCIAL SERVICE | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.00% |
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SERVIC | 3519 PAESANOS WAY # 106 SAN ANTONIO, TX 78231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| AMCORP3 | 3519 PAESANO PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | — | $626 | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $525 | — | $525 | 3.41% |
| SHIELDS CINDY V3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 1.93% |
| WILSON CHRISTOPHER J3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 1.50% |
| JOHNSON SHARON L3 | 2061 TOSCANO WAY KERRVILLE, TX 78028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.19% |
| JOHNSON SHARON L3 | 409 COLONY DRIVE CORPUS CHRISTI, TX 78412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| SPENGLER GILLIAN C3 | 51 WEST BAR LE DOC DRIVE CORPUS CHRISTI, TX 78414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.44% |
| AMCORP3 | 3519 PAESANO PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $982 | — | $982 | 6.43% |
| SHIELDS CINDY V3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 2.10% |
| WILSON CHRISTOPHER J3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 2.03% |
| JOHNSON SHARON L3 | 2061 TOSCANO WAY KERRVILLE, TX 78028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.35% |
| JOHNSON SHARON L3 | 409 COLONY DRIVE CORPUS CHRISTI, TX 78412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.12% |
| SPENGLER GILLIAN C3 | 51 WEST BAR LE DOC DRIVE CORPUS CHRISTI, TX 78414 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 SUITE 106 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $401 | — | $401 | 7.19% |
| AMCORP3 | 3519 PAESANO PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | — | $380 | 6.82% |
| SHIELDS CINDY V3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | — | $233 | 4.18% |
| WILSON CHRISTOPHER J3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.93% |
| JOHNSON SHARON L3 | 2061 TOSCANO WAY KERRVILLE, TX 78028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $496 | — | $496 | 11.58% |
| AMCORP3 | 3519 PAESANO PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 10.76% |
| WILSON CHRISTOPHER J3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 5.41% |
| SHIELDS CINDY V3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.58% |
| JOHNSON SHARON L3 | 2061 TOSCANO WAY KERRVILLE, TX 78028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.58% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $22K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 301 | $36K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 440 | $158K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 440 | $158K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 440 | $158K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 380 | $608K |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 466 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.