| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INS AGENCY3 Filed as: SHEPARD & WALTON LIFE INS AGENCY IN | PO BOX 1830 HARLINGEN, TX 78551 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $36K | $40K | 3.62% |
| KEITH A PADILLA3 | 220 EAST TOM LANDRY STREET MISSION, TX 78572 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $16K | $18K | 1.58% |
| SWK DBA SHEPARD & WALTON LIFE INS3 | 1906 EAST TYLER AVENUE SUITE B HARLINGEN, TX 78550 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 8.73% |
| TRB INSURANCE AGENCY LLC3 | 220 EAST TOM LANDRY MISSION, TX 78572 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.15% |
| KEITH A PADILLA3 | 2600 EAST BLUEBONNET LANE MISSION, TX 78573 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.29% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 11.88% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 7.50% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 5.92% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $449 | $2K | 1.32% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | $202 | $1K | 0.86% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 0.84% |
| FEDERICO BERLANGA3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $499 | $899 | 0.72% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | — | $844 | 0.68% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $18 | $364 | 0.29% |
| RAMIRO RUIZ3 | 4803 ROBIN LANE EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 0.22% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $172 | $261 | 0.21% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $79 | $211 | 0.17% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | PO BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $16 | $163 | 0.13% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $41 | $118 | 0.09% |
| SA GENERAL AGENCY INC3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $15 | $31 | 0.02% |
| WYNONA SNYDER3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.02% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $8 | $20 | 0.02% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $12 | $19 | 0.02% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $348 | $2K | 11.40% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $797 | $360 | $1K | 7.26% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $527 | $942 | 5.91% |
| FEDERICO BERLANGA3 | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $167 | $301 | 1.89% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 1.03% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $29 | $151 | 0.95% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $36 | $96 | 0.60% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $5 | $87 | 0.55% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $2 | $70 | 0.44% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $15 | $69 | 0.43% |
| RAMIRO RUIZ3 | 4803 ROBIN LANE EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.21% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $15 | $23 | 0.14% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.05% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.03% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | $197 | $1K | 9.66% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $537 | $208 | $745 | 6.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $297 | $563 | 4.80% |
| HECTOR GARZA3 | 205 WEST UPAS AVENUE MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 1.43% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $3 | $119 | 1.01% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $3 | $71 | 0.61% |
| MELISSA LYNN FRINK3 | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.32% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $22 | $33 | 0.28% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $7 | $23 | 0.20% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.12% |
| DION CHAVEZ3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.03% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSUARNCE AGE | 121 PECAN BOULEVARD MCALLEN, TX 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $18 | $82 | 9.27% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $25 | $72 | 8.14% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $22 | $38 | 4.29% |
| JAVIER LEON3 | 3811 ALVARADO STREET EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 2.94% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 2.37% |
| SALAZAR INSURANCE GROUP LLC3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | 0.68% |
| SAMUEL MORENO3 | 5820 NORTH 25TH STREET MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.34% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $186K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $186K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.