| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY, SUITE 10 SAN ANTONIO, TX 78231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $39K | $2K | $40K | 5.19% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY, SUITE 106 SAN ANTONIO, OH 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $2K | $24K | 14.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $313 | $313 | 0.19% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $800 | $504 | $1K | 10.34% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY, SUITE 106 SAN ANTONIO, TX 78231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 9.22% |
| GALE SIMPSON3 | 69 CARPIN CIRCLE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $0 | $442 | 3.50% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $239 | $391 | 3.10% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.49% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.25% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LANE, SUITE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 115 | $776K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $166K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $166K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $166K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 115 | $776K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.