| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDA J BILLINGS3 | 1409 FALCON AVE MCALLEN, TX 78504 | AFLAC | $10K | $101 | $10K | 11.32% |
| STEPHANIE P CAVAZOS3 | 2207 N 23RD ST MCALLEN, TX 78501 | AFLAC | $5K | $89 | $5K | 5.56% |
| CAROL ANN KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $3K | $55 | $3K | 3.53% |
| KAREN LIZETH LONGORIA3 | 709 N GLASSCOCK RD MISSION, TX 78572 | AFLAC | $3K | $47 | $3K | 3.40% |
| ASHLEY K VARGAS3 | 3416 WATER LILLY AVE MCALLEN, TX 78504 | AFLAC | $2K | $27 | $2K | 2.63% |
| ISABEL CANTU3 | 3102 HACKBERRY AVE MISSION, TX 78574 | AFLAC | $2K | $22 | $2K | 2.60% |
| LILIANA LUNA3 | 5011 AGUAJITO ST EDINBURG, TX 78542 | AFLAC | $2K | $0 | $2K | 1.70% |
| NANCY R ESCOBEDO3 | 421 DULCE BROWNSVILLE, TX 78520 | AFLAC | $417 | $10 | $427 | 0.47% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $186 | $0 | $186 | 0.21% |
| BILLY KEITH3 | 3827 N 10TH ST STE 303 MCALLEN, TX 78501 | AFLAC | $156 | $0 | $156 | 0.17% |
| CHARLES E CAVAZOS3 | 3002 HACKBERRY AVE MISSION, TX 78574 | AFLAC | $98 | $0 | $98 | 0.11% |
| LUZ M MARTINEZ3 | 5808 N BROADWAY ST MCALLEN, TX 78504 | AFLAC | $51 | $0 | $51 | 0.06% |
| MONICA SANCHEZ SANTOS3 | PO BOX 5493 MCALLEN, TX 78502 | AFLAC | $44 | $0 | $44 | 0.05% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $35 | $0 | $35 | 0.04% |
| JOHN R PHILLIPS3 | PO BOX 4751 EDINBURG, TX 78540 | AFLAC | $29 | $0 | $29 | 0.03% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $24 | $0 | $24 | 0.03% |
| MONICA SANCHEZ SANTOS3 | PO BOX 5493 MCALLEN, TX 78502 | AFLAC | $10 | $0 | $10 | 0.01% |
| FLOREA ARIZPE FLORES3 | 416 W SAMANO ST EDINBURG, TX 78539 | AFLAC | $5 | $0 | $5 | 0.01% |
| BILLY KEITH3 | 3827 N 10TH ST STE 303 MCALLEN, TX 78501 | AFLAC | $4 | $0 | $4 | 0.00% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $2 | $0 | $2 | 0.00% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $1 | $0 | $1 | 0.00% |
| ARMANDO R VILLARREAL3 | 803 PARKVIEW CIRCLE HARLINGEN, TX 78550 | AFLAC | $1 | $0 | $1 | 0.00% |
| ELADIO MOREN DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 239 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.