| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | — | BLUECROSS BLUESHIELD OF TEXAS | $51K | — | $51K | 3.37% |
| KEITH A PADILLA3 Filed as: KEITH ALAN PADILLA | — | BLUECROSS BLUESHIELD OF TEXAS | $27K | — | $27K | 1.82% |
| INSURORS OF TEXAS GENERAL AGENCY, L3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $6K | $6K | 0.38% |
| SWK DBA SHEPARD & WALTON LIFE INS3 Filed as: SWK DBA SHEPARD & WALTON LIFE INSUR | 1906 EAST TYLER AVENUE SUITE B HARLINGEN, TX 78550 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 9.18% |
| KEITH A PADILLA3 | 2600 EAST BLUEBONNET LANE MISSION, TX 78573 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.35% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSUARNCE AGE | 121 PECAN BOULEVARD MCALLENT, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $11K | $37K | 31.71% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $7K | $19K | 16.02% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $10K | $17K | 14.30% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.93% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.02% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $579 | $3K | 2.27% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $364 | $3K | 2.19% |
| HECTOR GARZA3 | 205 WEST UPAS MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| RAMIRO RUIZ3 | 201 NORTH 6TH STREET DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $824 | $1K | 1.09% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $158 | $434 | 0.37% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $250 | $421 | 0.36% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSUARNCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 31.65% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $694 | $2K | 14.26% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $1K | $2K | 13.20% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 5.13% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | $75 | $525 | 3.81% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $61 | $277 | 2.01% |
| HECTOR GARZA3 | 205 WEST UPAS MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 1.89% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $87 | $260 | 1.89% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $166 | $256 | 1.86% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $52 | $87 | 0.63% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $32 | $87 | 0.63% |
| RAMIRO RUIZ3 | 201 NORTH 6TH STREET DONNA, TX 78537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.44% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $882 | $3K | 31.00% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | $503 | $1K | 14.32% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $834 | $1K | 14.00% |
| HECTOR GARZA3 | 205 WEST UPAS MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | — | $687 | 6.92% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $56 | $388 | 3.91% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | — | $272 | 2.74% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $86 | $133 | 1.34% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $37 | $62 | 0.62% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $15 | $44 | 0.44% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $12 | $34 | 0.34% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $153 | $533 | 33.42% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $63 | $287 | 17.99% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $89 | $252 | 15.80% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $141 | $235 | 14.73% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 259 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 259 | $1.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $195K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $195K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $195K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $195K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.