| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC DBA IMPELMAN IN | 4610 DE ZAVALA RD SAN ANTONIO, TX 78249 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 4610 DE ZAVALA RD SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $735 | $49K | 17.78% |
| IMPELMAN INS3 Filed as: IMPELMAN INSURANCE | 4610 DE ZAVALA RD SAN ANTONIO, TX 78249 | AMERICAN HERITAGE LIFE INS CO | $2K | — | $2K | 2.11% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGENBOTHAM | 500 WEST 13TH FT. WORTH, TX 76102 | AMERICAN HERITAGE LIFE INS CO | $99 | — | $99 | 0.13% |
| KARL HUDGINS3 | 2716 BILOXI LANE MESQUITE, TX 75159 | AMERICAN HERITAGE LIFE INS CO | $69 | — | $69 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $422K |
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 | 720 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,418 | $529K |
| Dental | AETNA LIFE INSURANCE CO. | 1,418 | $529K |
| Vision | AETNA LIFE INSURANCE CO. | 1,418 | $529K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,972 | $351K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,972 | $274K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,972 | $274K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,972 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,972 | — |
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.