| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 | P O BOX 1830 HARLINGEN, TX 78551 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 1.09% |
| PROFESSIONAL ENROLLMENT CONCEPTS4 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | — |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | P O BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | — |
| JAMES INGLIS BRYAN3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
| ALLEN BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $793 | — | $793 | — |
| DWAINE BAKER BRENNAN3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $531 | — | $531 | — |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.