| 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. | $20K | $2K | $22K | 4.55% |
| STEVE J MARKEY3 | 559 E HUISACHE AVE SAN ANTONIO, TX 78212 | FEDELITY SECURITY LIFE | $5K | — | $5K | 7.50% |
| ROBERT A MCNEESE3 | 24655 BIRDIE RIDGE SAN ANTONIO, TX 78260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.55% |
| JOHN C CONLIN III3 | 9311 SAN PEDRO AVE STE 1020 SAN ANTOINIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.81% |
| MJ INSURANCE3 Filed as: INTEGRITY INSUANCE AGENCY INC | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| HUMANA MARKETPOINT INC3 | 500 WEST MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 11.86% |
| INTEGRITY INSURANCE AGENCY INC3 | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 6.02% |
| INTEGRITY INSURANCE AGENCY INC3 | 2634 KERRYBROOK COURT SAN ANTONIO, TX 78230 | DENTICARE, INC. | $540 | — | $540 | 10.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 95 | $505K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 82 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $89K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $70K |
| Other(3 contracts, 3 carriers) | FEDELITY SECURITY LIFE | 119 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.