| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY INSURANCE AGENCY INC3 | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | HUMANA HEALTH PLAN OF TEXAS, INC. | $27K | $3K | $29K | 4.22% |
| STEVE J MARKEY3 | 414 COUNTRY LN SAN ANTONIO, TX 78209 | FEDELITY SECURITY LIFE | $6K | — | $6K | 7.50% |
| ROBERT A MCNEESE3 | 24655 BIRDIE RIDGE SAN ANTONIO, TX 78260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.38% |
| JOHN C CONLIN III3 | 9311 SAN PEDRO AVE STE 1020 SAN ANTOINIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.73% |
| ROBERT A MCNEESE3 | 24655 BIRDIE RIDGE SAN ANTONIO, TX 78260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.02% |
| MJ INSURANCE3 Filed as: INTEGRITY INSUANCE AGENCY INC | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | HUMANADENTAL INSURANCE COMPANY | $4K | — | $4K | 9.06% |
| MARIA P LIPSCOMB3 | 6103 CALDERWOOD ST SAN ANTONIO, TX 78249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 26.10% |
| PATRICK ALLEN BAKER3 | 2700 APPLE CREEK CIRCLE BRYAN, TX 77802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $480 | $4K | 9.85% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $979 | $1K | $2K | 5.98% |
| GARY P QUANDT3 | 3206 YORKTOWN DR SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $98 | $2K | 4.99% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $234 | $1K | 3.91% |
| MELODIE F FONTENOT3 | 5224 75TH ST LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | — | $774 | 2.16% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $161 | $590 | 1.64% |
| PAMELA M EDWARDS3 | 2707 STRONG OAK SAN ANTONIO, TX 78247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GALE SIMPSON3 | 1830 CONNIE DR CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KELLY MELISSA RUSHING3 Filed as: KELLY M KRISCH | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INTEGRITY INSURANCE AGENCY INC3 | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | KANAWHA INSURANCE COMPANY | $233 | — | $233 | 6.60% |
| HUMANA MARKETPOINT INC3 | 500 WEST MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $144 | — | $144 | 4.08% |
| INTEGRITY INSURANCE AGENCY INC3 | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | DENTICARE, INC. | $180 | — | $180 | 8.92% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 124 | $693K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 105 | $44K |
| Vision | HUMANA HEALTH PLAN OF TEXAS, INC. | 124 | $693K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $152K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $74K |
| Other(5 contracts, 4 carriers) | FEDELITY SECURITY LIFE | 141 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.