| 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. | $2K | $665 | $3K | 1.18% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | — | $37K | 18.88% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $11K | $27K | 13.62% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 3.34% |
| RICARDO ALBERTO SEPULVEDA3 | 1101 DOVE APT 78 MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.56% |
| KIMBERLY VANDUSEN3 Filed as: KIMBERLY RUBALCAVA | 21201 BUCKFAWN DR EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.90% |
| LISA D GARCIA3 | 602 CENIZA ST DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $74 | $2K | 1.00% |
| JOSEPH TIPTON3 | 2001 ADEN RD APT 176 FORT WORTH, TX 76116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.68% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $70 | $488 | 0.25% |
| CONNIE R FOX3 | P O BOX 87 PEIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $119 | $264 | 0.14% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | — | $253 | 0.13% |
| BEVERLY A SPEIER3 | 2012 US 221 HWY N RUTHERFORDTON, NC 28139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.10% |
| DOMINGO MUNOZ3 | P O BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.05% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL A CHANDLER | 16927 UNION CAVERN SAN ANTONIO, TX 78247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $1 | $83 | 0.04% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.03% |
| PAUL D GIESE3 | 5602 NEEDVILLE ST SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| ENJOLI JANELL HAMILTON3 | 1613 CLOUDY BROOK SCHERTZ, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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% |
| ROBERT CHAMPION3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | 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% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 20.00% |
| 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 | $5K | — | $5K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | 520 E NOLANA STE 110 MCALLEN, TX 78504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 10.10% |
| DAVID WEBER0 | 13931 QUAIL POINTE DR OKLAHOMA CITY, OK 73134 | UFLIC FBO AMTRUST FINANCIAL | — | $550K | $550K | — |
| ASSURED BENEFITS ADMINISTRATORS5 | 221 N KANSAS ST STE 1610 EL PASO, TX 79901 | 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 | — | $61K | $61K | — |
| INDEPENDENT MEDICAL SYSTEMS0 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | UFLIC FBO AMTRUST FINANCIAL | — | $30K | $30K | — |
| MEDWATCH LLC5 Filed as: MEDWATCH | P O BOX 952679 LAKE MARY, FL 32795 | UFLIC FBO AMTRUST FINANCIAL | — | $15K | $15K | — |
| FIRST HEALTH0 Filed as: FIRST HEALTH CORP | 2329 NETWORK PLACE CHICAGO, IL 606731232 | UFLIC FBO AMTRUST FINANCIAL | — | $990 | $990 | — |
| 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 | $550K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 TPA | Contract Administrator Service code 13 | 221 N KANSAS 1610 EL PASO, TX 79901 | $135K |
| LONE STAR INSURANCE SERVICES, INC. EIN 74-2929120 AGENT | Insurance agents and brokers Service code 22 | 520 E NOLANA 110 MCALLEN, TX 78504 | $61K |
| INDEPENDENT MEDICAL SYSTEMS EIN 73-1639908 NETWORK | Other fees Service code 99 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | $30K |
| MEDWATCH INC EIN 16-1662117 UR | Other services Service code 49 | P O BOX 952679 LAKE MARY, FL 32795 | $15K |
| 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 | 535 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UFLIC FBO AMTRUST FINANCIAL | 549 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP. | 946 | $265K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 946 | $265K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 613 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 299 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 613 | $47K |
| Stop-loss / reinsurancereinsurance | UFLIC FBO AMTRUST FINANCIAL | 549 | $0 |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 613 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.