| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE INC | — | BLUECROSS BLUESHIELD OF TEXAS | $44K | — | $44K | 3.47% |
| KEITH A PADILLA3 Filed as: KEITH ALAN PADILLA | — | BLUECROSS BLUESHIELD OF TEXAS | $19K | — | $19K | 1.49% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 1906 EAST TYLER AVENUE SUITE B HARLINGEN, TX 78550 | BLUECROSS BLUESHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| KEITH A PADILLA3 Filed as: KEITH ALAN PADILLA | 220 EAST TOM LANDRY MISSION, TX 78572 | BLUECROSS BLUESHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| FOREMOST PAVING, INC3 | 22630 N FM 88 ELSA, TX 78543 | BLUECROSS BLUESHIELD OF TEXAS | — | $2 | $2 | 0.00% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 1906 EAST TYLER AVENUE SUITE B HARLINGEN, TX 78550 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $942 | $16K | 8.00% |
| TRB INSURANCE AGENCY LLC3 | 220 EAST TOM LANDRY STREET MISSION, TX 78572 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 7.54% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $16K | 11.30% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 6.62% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 4.31% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $424 | $3K | 1.84% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $422 | $2K | 1.26% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $121 | $963 | 0.69% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $40 | $766 | 0.55% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $2 | $511 | 0.37% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $24 | $305 | 0.22% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.10% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $49 | $100 | 0.07% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | PO BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.07% |
| RAMIRO RUIZ3 | 4803 ROBIN LANE EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.05% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $6 | $34 | 0.02% |
| DION CHAVEZ3 Filed as: DION CHEVEZ | PO BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $4 | $27 | 0.02% |
| WYNONA SNYDER3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| HORIZON BENEFITS LLC3 | 1150 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SA GENERAL AGENCY INC3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $554 | $3K | 14.16% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $350 | $2K | 7.47% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $637 | $1K | 5.34% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | $132 | $693 | 3.28% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $136 | $576 | 2.72% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $11 | $179 | 0.85% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $2 | $51 | 0.24% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.22% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $7 | $15 | 0.07% |
| RAMIRO RUIZ3 | 4803 ROBIN LANE EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.05% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.05% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY | PO BOX 1830 HARLINGEN, TX 78551 | FOREMOST PAVING, INC | $2K | — | $2K | 10.02% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $907 | $153 | $1K | 10.35% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $88 | $582 | 5.68% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $188 | $403 | 3.93% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $19 | $247 | 2.41% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBUG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $4 | $60 | 0.59% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.49% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.08% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.03% |
| DION CHAVEZ3 | PO BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 4.13% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 3.96% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.82% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 1.65% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.66% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 226 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 226 | $1.5M |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $222K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $206K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $206K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $206K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.