| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | AMERITAS LIFE INSURANCE CORP | $35K | $2K | $37K | 10.59% |
| LONE STAR INSURANCE SVCS INC3 Filed as: LONE STAR INSURANCE SERVICES INC | P O BOX 3988 MCALLEN, TX 78502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41K | $4K | $45K | 17.91% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $14K | $21K | 8.60% |
| SA GENERAL AGENCY INC3 | P O BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 3.55% |
| WYNONA SNYDER3 | P O BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $4 | $813 | 0.33% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $300 | $712 | 0.29% |
| HORIZON BENEFITS LLC3 | 1150 N LOOP 1604 W SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | — | $710 | 0.28% |
| KRISTI KAY OSBORNE3 | PMB 204 SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $33 | $174 | 0.07% |
| SHAWN OSBORNE3 | 1150 N LOOP 1604 W STE 108-204 SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $71 | $104 | 0.04% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED DRIVE SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| ROBERTO RAMIREZ3 | P O BOX 1266 PHARR, TX 78577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 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 | $13 | — | $13 | 0.01% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | 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% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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 | $3 | — | $3 | 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 | P O BOX 2365 HARLINGEN, TX 78551 | 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 | $37K | — | $37K | 20.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 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 | $4K | — | $4K | 10.00% |
| LONE STAR INSURANCE SVCS INC3 | P O BOX 3988 MCALLEN, TX 78502 | THE LINCOLN NATIONAL INSURANCE COMPANY | $8K | — | $8K | 20.00% |
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 | 524 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 460 | $349K |
| Vision | AMERITAS LIFE INSURANCE CORP | 460 | $349K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 673 | $320K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $41K |
| Other(6 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP | 673 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.