| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | 520 E NOLANA STE 110 MCALLEN, TX 78504 | AMERITAS LIFE INSURANCE CORP. | — | $977 | $977 | 0.54% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 14.08% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $9K | $17K | 12.40% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.99% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $172 | $727 | 0.53% |
| CHERRI ANN CARLIN3 | P O BOX 12098 BEAUMONT, TX 77726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $2 | $480 | 0.35% |
| LISA D GARCIA3 | 710 WEST CANTU RD DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $14 | $290 | 0.21% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL A CHANDLER | 16927 UNION CAVERN SAN ANTONIO, TX 78247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $3 | $223 | 0.16% |
| STAFFORD JOHNSON3 | 1550 THOUSAND OAKS 817 SAN ANTONIO, TX 78232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.15% |
| DOMINGO MUNOZ3 | P O BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $2 | $201 | 0.15% |
| J ANTHONY FLORES3 | 318 NECHES BRANCH SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.11% |
| BEVERLY A SPEIER3 | 2012 US 221 HWY N RUTHERFORDTON, NC 28139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $6 | $126 | 0.09% |
| JUAN D PALOMO3 | 3824 ANCIENT SONG SAN ANTONIO, TX 78245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.09% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $13 | $117 | 0.09% |
| PAUL D GIESE3 | 5602 NEEDVILLE ST SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $1 | $109 | 0.08% |
| CAROL CANTU-MARTINEZ3 | 7251 BURNS LANE SAN ANTONIO, TX 78250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.07% |
| JACOB ANDREW GARCIA3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.07% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $14 | $81 | 0.06% |
| YVETTE CARDENAS SCHYCKER3 | 24307 ALPINE LODGE SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.05% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $1 | $53 | 0.04% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $15 | $44 | 0.03% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 0.02% |
| XAVIER PEREZ3 | 443 ADRIAN SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $7 | $20 | 0.01% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TEXAS INSURANCE MANAGERS INC.3 Filed as: TEXAS INSURANCE MANAGERS | P O BOX 531728 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DONNA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| REGINA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROBERT CHAMPION3 | 611 E LOOP 499 HARLINGEN, TX 78550 | 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% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN D DOTY3 | P O BOX 2365 HARLINGTON, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT RANDOLF TAYLOR3 Filed as: ROBERT SWINNEA | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLENT, 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 LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| DAVID WEBER0 | 13931 QUAIL POINTE DR OKLAHOMA CITY, OK 73134 | UFLIC FBO AMTRUST FINANCIAL | — | $482K | $482K | — |
| ASSURED BENEFITS ADMINISTRATORS5 | 4855 N MESA 130 EL PASO, TX 79912 | UFLIC FBO AMTRUST FINANCIAL | — | $135K | $135K | — |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES, INC. | 520 E NOLANA STE 110 MCALLEN, TX 78504 | UFLIC FBO AMTRUST FINANCIAL | — | $54K | $54K | — |
| INDEPENDENT MEDICAL SYSTEMS0 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | UFLIC FBO AMTRUST FINANCIAL | — | $30K | $30K | — |
| HINES & ASSOCIATES5 Filed as: HINES & ASSOCIATES C/O UNION BANK | P O BOX 0327 ELGIN, IL 601210327 | UFLIC FBO AMTRUST FINANCIAL | — | $10K | $10K | — |
| MEDWATCH LLC5 | P O BOX 952679 LAKE MARY, FL 32795 | UFLIC FBO AMTRUST FINANCIAL | — | $4K | $4K | — |
| FIRST HEALTH0 Filed as: FIRST HEALTH CORP | 2329 NETWORK PLACE CHICAGO, IL 606731232 | UFLIC FBO AMTRUST FINANCIAL | — | $900 | $900 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UFLIC FBO AMTRUST FINANCIAL EIN 74-0000001 REINSURANCE CARRIER | Insurance services Service code 23 | 13931 QUAIL POINTE DR OKLAHOMA, OK 73134 | $482K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 TPA | Contract Administrator Service code 13 | 4855 N MESSA 130 EL PASO, TX 79912 | $135K |
| LONE STAR INSURANCE SERVICES, INC. EIN 74-2929120 AGENT | Insurance agents and brokers Service code 22 | 520 E NOLANA 110 MCALLEN, TX 78504 | $54K |
| INDEPENDENT MEDICAL SYSTEMS EIN 73-1639908 NETWORK | Other fees Service code 99 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | $30K |
| HINES & ASSOCIATES C/O UNION BANK EIN 36-3545085 UR | Other services Service code 49 | P O BOX 0324 ELGEN, IL 60121 | $10K |
| MEDWATCH INC EIN 16-1662117 UR | Other services Service code 49 | P O BOX 952679 LAKE MARY, FL 32795 | $4K |
| FIRST HEALTH CORP EIN 20-1736437 NETWORK | Other fees Service code 99 | 2329 NETWORK PLACE CHICAGO, IL 60673 | $900 |
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 | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UFLIC FBO AMTRUST FINANCIAL | 559 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,023 | $181K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,023 | $181K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $44K |
| Stop-loss / reinsurancereinsurance | UFLIC FBO AMTRUST FINANCIAL | 559 | $0 |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 609 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.