| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN FINANCIAL INSURANCE SERVIC3 | 210 S CARANCAHUA ST CORPUS CHRISTI, TX 78401 | HUMANA HEALTH PLAN, INC | $39K | — | $39K | 28.52% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | P.O. BOX 1066 CORPUS CHRISTI, TX 784031066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.10% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | P.O. BOX 1066 CORPUS CHRISTI, TX 784031066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.84% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | P.O. BOX 1066 CORPUS CHRISTI, TX 784031066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $663 | $6K | 16.81% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | P.O. BOX 1066 CORPUS CHRISTI, TX 784031066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $489 | $5K | 16.63% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | 210 S CARANCAHUA ST CORPUS CHRISTI, TX 78401 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| AMERICAN FINANCIAL INSURANCE SERVIC3 | 210 S CARANCAHUA ST CORPUS CHRISTI, TX 78401 | HUMANADENTAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 243 | $137K |
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC | 243 | $149K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 193 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $60K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.