| 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. | $3K | $1K | $4K | 1.40% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 10.37% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $9K | $16K | 10.24% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 1.94% |
| RICARDO ALBERTO SEPULVEDA3 | 1101 DOVE APT 78 MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 0.27% |
| KIMBERLY VANDUSEN3 Filed as: KIMBERLY RUBALCAVA | 21201 BUCKFAWN DR EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 0.21% |
| LISA D GARCIA3 | 602 CENIZA ST DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.12% |
| STAFFORD JOHNSON3 | 1550 THOUSAND OAKS 817 SAN ANTONIO, TX 78232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.09% |
| JOSEPH TIPTON3 | 2001 ADEN RD APT 176 FORT WORTH, TX 76116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.08% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.06% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $36 | $73 | 0.05% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL A CHANDLER | 3314 VALLEY CRK SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.05% |
| DOMINGO MUNOZ3 | P O BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.03% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| PAUL D GIESE3 | 5602 NEEDVILLE ST SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| CONNIE R FOX3 | P O BOX 87 PEIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $9 | $24 | 0.02% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | PO BOX 670329 HOUSTON, TX 77267 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| BEVERLY A SPEIER3 | 2012 US 221 HWY N RUTHERFORDTON, NC 28139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 1826 N LOOP 1604 W SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ELIZABETH C ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ENJOLI JANELL HAMILTON3 | 1613 CLOUDY BROOK SCHERTZ, TX 78154 | 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% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| REGINA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROBERT CHAMPION3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KEVIN D DOTY3 | P O BOX 2365 HARLINGTON, TX 78551 | 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% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 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 | $8K | — | $8K | 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 INC4 Filed as: LONE STAR INSURANCE SERVICES | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $1K | — | $1K | 40.42% |
| GAYLE M TRUDEAU4 | 3493 N SHEPARD AVE MILWAUKEE, WI 53211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $140 | — | $140 | 4.15% |
| UFLIC FBO AM TRUST FINANCIAL0 | ATTN DAVID WEBER 13931 QUAIL POINTE DR OKLAHOMA CITY, OK 73134 | UFLIC FBO AMTRUST FINANCIAL | — | $427K | $427K | — |
| ASSURED BENEFITS ADMINISTRATORS5 | 221 N KANSAS ST STE 1610 EL PASO, TX 79901 | UFLIC FBO AMTRUST FINANCIAL | — | $123K | $123K | — |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES, INC. | 520 E NOLANA STE 110 MCALLEN, TX 78504 | UFLIC FBO AMTRUST FINANCIAL | $47K | — | $47K | — |
| INDEPENDENT MEDICAL SYSTEMS0 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | UFLIC FBO AMTRUST FINANCIAL | — | $29K | $29K | — |
| MEDWATCH LLC5 Filed as: MEDWATCH | P O BOX 952679 LAKE MARY, FL 32795 | UFLIC FBO AMTRUST FINANCIAL | — | $23K | $23K | — |
| 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 | $427K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 TPA | Contract Administrator Service code 13 | 221 N KANSAS 1610 EL PASO, TX 79901 | $123K |
| LONE STAR INSURANCE SERVICES, INC. EIN 74-2929120 AGENT | Insurance agents and brokers Service code 22 | 520 E NOLANA 110 MCALLEN, TX 78504 | $47K |
| INDEPENDENT MEDICAL SYSTEMS EIN 73-1639908 NETWORK | Other fees Service code 99 | 8150 N CENTRAL EXPRESSWAY 1700 DALLAS, TX 75206 | $29K |
| MEDWATCH INC EIN 16-1662117 UR | Other services Service code 49 | P O BOX 21796 TAMPA, FL 21796 | $23K |
| FIRST HEALTH CORP EIN 20-1736437 NETWORK | Other fees Service code 99 | 2329 NETWORK PLACE CHICAGO, IL 61673 | $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 | 552 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UFLIC FBO AMTRUST FINANCIAL | 546 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP. | 917 | $258K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 917 | $258K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $184K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $47K |
| Stop-loss / reinsurancereinsurance | UFLIC FBO AMTRUST FINANCIAL | 546 | $0 |
| Other(6 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 615 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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."
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.