| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | BLUE CROSS BLUE SHIELD OF TEXAS | $31K | $12 | $31K | 1.07% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | DEARBORN LIFE INSURANCE COMPANY | $33K | — | $33K | 13.18% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.76% |
| ROBERT G. CASIANO3 | 2231 SUNDROP BAY SAN ANTONIO, TX 78224 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.39% |
| ANDREW MARTIN3 Filed as: ANDREW D. MARTIN | 1154 AZALEA BEND SUGARLAND, TX 77479 | TRANSAMERICA LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.45% |
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES, INC. | 22322 GRAND CORNER DRIVE SUITE 200 KATY, TX 77494 | TRANSAMERICA LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.45% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 623 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 623 | $2.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 422 | $252K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 422 | $252K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $252K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $252K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 623 | $2.9M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 422 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
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.