| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 613 NW LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $51K | $0 | $51K | 9.87% |
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 613 NW LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 13.61% |
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 613 NW LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $2K | $48K | 18.31% |
| IMPELMAN INS AND INVESTMENTS3 Filed as: IMPELMAN INSURANCE AND INVESTMENTS | 613 NW LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET SUITE 195 FT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $643 | — | $643 | 0.90% |
| KARL HUDGINS | 2716 BILOXI LANE MESQUITE, TX 75150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 0.33% |
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 | 760 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,430 | $515K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,430 | $515K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,028 | $335K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,028 | $264K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,028 | $264K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 760 | $368K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,028 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,028 | — |
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.
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.