| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 | 3519 PAESANOS PARKWAY, SUITE 106 SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | $68K | — | $68K | 8.91% |
| AMCORP3 | 3519 PAESANOS PARKWAY, SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.79% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.91% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | $290 | $1K | 8.19% |
| AMCORP3 | 3519 PAESANOS PARKWAY, SUITE 106 SAN ANTONIO, TX 78231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $914 | $2 | $916 | 7.30% |
| GALE SIMPSON3 | 69 CARPIN CIRLCE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $0 | $309 | 2.46% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTRY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $153 | $280 | 2.23% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.49% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.22% |
| 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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 180 | $759K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $162K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $162K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $162K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $162K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $162K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 180 | $759K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.