| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $221K | $249K | 5.54% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $822 | $29K | 10.11% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $8K | $13K | 4.55% |
| SA GENERAL AGENCY INC3 | P O BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 2.18% |
| KRISTI KAY OSBORNE3 | 1150 N LOOP 1604 W STE 108 PMB SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | $612 | $1K | 0.45% |
| WYNONA SNYDER3 | P O BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | — | $949 | 0.34% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $10 | $692 | 0.25% |
| HORIZON BENEFITS LLC3 | 1150 N LOOP 1604 W SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | — | $589 | 0.21% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $309 | $510 | 0.18% |
| SHAWN OSBORNE3 | 1150 N LOOP 1604 W STE 108-204 SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $138 | $176 | 0.06% |
| ROBERTO RAMIREZ3 | P O BOX 1266 PHARR, TX 78577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.04% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| DION CHAVEZ3 | P O BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| DONNA SWINNEA3 | 1814 N 17TH ST HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| REGINA SWINNEA3 | 21607 MT MCKINLEY WAY KATY, TX 77449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELIZABETH C ROBERTS3 | P O BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN D DOTY3 | 3006 JACARANDA DRIVE HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT CHAMPION3 | 3115 BRIGHTWOOD AVE EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SABRINA SANTILLAN3 | 20497 ROAD 926 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COMBINED INSURANCE | $5K | — | $5K | 22.27% |
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 | 549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,001 | $4.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,001 | $4.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,001 | $4.5M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 657 | $374K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $100K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 657 | $94K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 657 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.