| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 600 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $0 | $45K | 4.64% |
| NEW YORK LIFE AGENTS OF RECORD3 | 51 MADISON AVE NEW YORK, NY 10010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE STE. 600 SAN ANTONIO, TX 78216 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.98% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 600 SAN ANTONIO, TX 78216 | TRANSAMERICA LIFE INSURANCE COMPANY | $827 | $0 | $827 | 8.72% |
| ROBERT G. CASIANO3 | 10834 DAVIS FARMS SAN ANTONIO, TX 78254 | TRANSAMERICA LIFE INSURANCE COMPANY | $145 | $0 | $145 | 1.53% |
| NEW YORK LIFE AGENTS OF RECORD3 | 51 MADISON AVE NEW YORK, NY 10010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 600 SAN ANTONIO, TX 78216 | TRANSAMERICA LIFE INSURANCE COMPANY | $898 | $0 | $898 | 11.99% |
| ROBERT G. CASIANO3 | 10834 DAVIS FARMS SAN ANTONIO, TX 78254 | TRANSAMERICA LIFE INSURANCE COMPANY | $135 | $0 | $135 | 1.80% |
| NEW YORK LIFE AGENTS OF RECORD3 | 51 MADISON AVE NEW YORK, NY 10010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $536 | $0 | $536 | 10.12% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $972K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 186 | $972K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 107 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $68K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27 | $15K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 241 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.