| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHLEY K VARGAS3 Filed as: ASHLEY VARGAS | 3416 WATER LILLY AVENUE MCALLEN, TX 78504 | AFLAC | $9K | $725 | $10K | 10.33% |
| WILSON RHODES DAVENPORT3 Filed as: WILSON DAVENPORT | 5801 NORTH 10TH STREET, SUITE 400 MCALLEN, TX 78504 | AFLAC | $9K | $630 | $9K | 9.70% |
| STEPHANIE P CAVAZOS3 Filed as: STEPHANIE CAVAZOS | 2207 NORTH 23RD STREET MCALLEN, TX 78501 | AFLAC | $8K | $673 | $9K | 8.96% |
| GRISELDA PEREZ3 | 2209 BETTY DRIVE MISSION, TX 78572 | AFLAC | $3K | $261 | $4K | 3.65% |
| MJ INSURANCE3 Filed as: NELDA PEREIRA AND VARIOUS AGENTS | 1013 BLAKE STREET MISSION, TX 78572 | AFLAC | $2K | $0 | $2K | 2.24% |
| HELAMAN PEREIRA3 | 1013 BLAKE STREET MISSION, TX 78572 | AFLAC | $2K | $0 | $2K | 1.65% |
| IRENE LUNA3 | 317 SOUTH K CENTER STREET MCALLEN, TX 78501 | AFLAC | $834 | $89 | $923 | 0.95% |
| WILSON RHODES DAVENPORT3 Filed as: WILSON DAVENPORT | 5801 N 10TH STREET, SUITE 400 MCALLEN, IL 78504 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $656 | $4K | 5.53% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 272 | $164K |
| Vision(2 contracts, 2 carriers) | AFLAC | 272 | $164K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 272 | $164K |
| Other(2 contracts, 2 carriers) | AFLAC | 272 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.