| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH A PADILLA3 Filed as: KEITH ALAN PADILLA | — | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 1.78% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | — | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 1.78% |
| SHEPARD & WALTON LIFE INS AGY INC3 Filed as: SHEPARD & WALTON LIFE INS AGY | — | BLUECROSS BLUESHIELD OF TEXAS | — | $4K | $4K | 0.11% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGENCY LT | — | BLUECROSS BLUESHIELD OF TEXAS | — | $3K | $3K | 0.10% |
| SHEPARD & WALTON LIFE INS AGY INC3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGC | PO BOX 1830 HARLINGEN, TX 78551 | DEARBORN LIFE INSURANCE COMPANY | $26K | — | $26K | 9.41% |
| KEITH A PADILLA3 | 220 EAST TOM LANDRY STREET MISSION, TX 78572 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.03% |
| SHEPARD & WALTON LIFE INSURANCE3 | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $192 | $15K | 14.02% |
| KEITH A PADILLA3 Filed as: KEITH ALAN PADILLA | 2600 BLUEBONNET LANE MISSION, TX 78573 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.90% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 697 | $3.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 697 | $3.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 449 | $280K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 449 | $280K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 449 | $384K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 449 | $384K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 449 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.