| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS, INC. | $124K | $0 | $124K | 4.47% |
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | $10K | $89K | 24.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $771 | $0 | $771 | 1.81% |
| URBANO VILLAGRAN JR3 | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | $0 | $421 | 0.99% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | $0 | $205 | 0.48% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.47% |
| DOMINGO MUNOZ3 Filed as: DOMINGO M. MUNOZ AND OTHER AGENTS | PO BOX 775 CHARLOTTE, TX 78011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.47% |
| LARRY GLENN JONES JR3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | $0 | $144 | 0.34% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.13% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 271 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $369K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $369K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $369K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 353 | $0 |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 271 | $2.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.