| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDA J BILLINGS3 | 1409 FALCON AVE MCALLEN, TX 78504 | AFLAC | $6K | $150 | $6K | 11.96% |
| STEPHANIE P CAVAZOS3 | 2207 N 23RD ST MCALLEN, TX 78501 | AFLAC | $4K | $46 | $4K | 6.74% |
| KAREN LIZETH LONGORIA3 | 709 N GLASSCOCK RD MISSON, TX 78572 | AFLAC | $3K | $56 | $3K | 5.48% |
| ASHLEY K VARGAS3 | 3416 WATER LILLY AVE MCALLEN, TX 78504 | AFLAC | $3K | $0 | $3K | 5.25% |
| CAROL ANN KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $3K | $46 | $3K | 5.13% |
| NANCY R ESCOBEDO3 | 421 DULCE BROWNSVILLE, TX 78520 | AFLAC | $3K | $0 | $3K | 4.71% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $275 | $46 | $321 | 0.60% |
| BILLY KEITH3 | 3827 N 10TH ST STE 303 MCALLEN, TX 78501 | AFLAC | $201 | $0 | $201 | 0.37% |
| LUZ M MARTINEZ3 | 5808 N BROADWAY ST MCALLEN, TX 78504 | AFLAC | $76 | $0 | $76 | 0.14% |
| MONICA SANCHEZ SANTOS3 | PO BOX 5493 MCALLEN, TX 78502 | AFLAC | $54 | $0 | $54 | 0.10% |
| JOHN R PHILLIPS3 | PO BOX 4751 EDINBURG, TX 78540 | AFLAC | $50 | $0 | $50 | 0.09% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $47 | $0 | $47 | 0.09% |
| ISABEL CANTU3 | 3102 HACKBERRY AVE MISSION, TX 78574 | AFLAC | $46 | $0 | $46 | 0.09% |
| FLOREA ARIZPE FLORES3 | 416 W SAMANO ST EDINBURG, TX 78539 | AFLAC | $34 | $0 | $34 | 0.06% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $32 | $0 | $32 | 0.06% |
| MEGAN L GONZALEZ3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $11 | $0 | $11 | 0.02% |
| RHONDA KAY RAMOS3 | 5807 N TAYLOR RD MISSION, TX 78573 | AFLAC | $11 | $0 | $11 | 0.02% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $5 | $0 | $5 | 0.01% |
| MONICA SANCHEZ SANTOS3 | PO BOX 5493 MCALLEN, TX 78502 | AFLAC | $5 | $0 | $5 | 0.01% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 196 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.