| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | HUMANA HEALTH PLAN OF TEXAS, INC. | $62K | $4K | $66K | 5.33% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | HUMANA DENTAL INSURANCE COMPANY | $9K | $129 | $9K | 13.19% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $246 | $6K | 14.41% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | HM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | TRANSAMERICA LIFE INSURANCE CO. | $6K | $0 | $6K | 32.46% |
| ROBERT G. CASIANO3 | 2231 SUNDROP BAY SAN ANTONIO, TX 78224 | TRANSAMERICA LIFE INSURANCE CO. | $663 | $0 | $663 | 3.38% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, STE. 550 SAN ANTONIO, TX 782164471 | DENTICARE, INC. | $335 | $11 | $346 | 13.43% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 181 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA DENTAL INSURANCE COMPANY | 150 | $71K |
| Vision | HM LIFE INSURANCE COMPANY | 159 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $38K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE CO. | 165 | $20K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.