| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: AMCORP AN ALERA GROUP | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE CO | $40K | $3K | $43K | 4.65% |
| GCG FINANCIAL LLC Filed as: AMCORP AN ALERA GROUP | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE | $9K | $2K | $11K | 18.29% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE | — | $2K | $2K | 2.82% |
| GCG FINANCIAL LLC Filed as: AMCORP AN ALERA GROUP | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE | $7K | $2K | $8K | 18.32% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE | — | $1K | $1K | 2.85% |
| GCG FINANCIAL LLC Filed as: AMCORP AN ALERA GROUP | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE | $5K | $1K | $6K | 18.40% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE | — | $950 | $950 | 2.91% |
| AMCORP Filed as: AMCORP INS & FINANCIAL SERVICES INC | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.22% |
| GALE SIMPSON | 69 CARPIN CIRCLE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.66% |
| KELLY MELISSA RUSHING | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $190 | $847 | 3.48% |
| TIMOTHY J REED Filed as: TIMOTHY COBB | 11086 NW CR 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $161 | $297 | 1.22% |
| THOMAS SNYDER | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $4 | $115 | 0.47% |
| BRIAN WHITE Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.34% |
| MARY JO CHAPPELL | 109 CR 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.27% |
| TROY J PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.23% |
| OMAR MENDOZA | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.23% |
| BILLY MARK ROBERSON | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.22% |
| JOHN DAVID BODKER | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 152 | $920K |
| Life insurance | UNITED OF OMAHA LIFE | 100 | $33K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE | 92 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE | 187 | $62K |
| Other | UNITED OF OMAHA LIFE | 100 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.