| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $90 | $27K | 9.14% |
| 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 | $4K | $20K | 13.16% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 4.70% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 2.93% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.10% |
| MICHAEL ANTHONY CHANDLER3 Filed as: MICHAEL A CHANDLER | 3314 VALLEY CRK SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| DOMINGO MUNOZ3 | P O BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| PAUL D GIESE3 | 5602 NEEDVILLE ST SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 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 | $12 | — | $12 | 0.01% |
| 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% |
| ELIZABETH C ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 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 | $2 | — | $2 | 0.00% |
| ROBERT CHAMPION3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | 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% |
| 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% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | PO BOX 670329 HOUSTON, TX 77267 | 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 | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | 520 E NOLANA AVE MCALLEN, TX 78504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| LONE STAR INSURANCE SVCS INC3 | 520 E NOLANA AVE STE 110 MCALLEN, TX 78504 | MUTUAL OF OMAHA INSURANCE COMPANY | $634 | — | $634 | 15.00% |
| 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 | $833 | — | $833 | 22.00% |
| GAYLE M TRUDEAU4 | 3493 N SHEPARD AVE MILWAUKEE, WI 53211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $89 | — | $89 | 2.35% |
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 | 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 |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $292K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $292K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $45K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 625 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.
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.