| 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 | 4.49% |
| GERRY W. IMPELMAN3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS, INC. | $0 | $38 | $38 | 0.00% |
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $4K | $58K | 12.63% |
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 19.73% |
| LARRY GLENN JONES JR3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $980 | $0 | $980 | 3.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | $0 | $480 | 1.73% |
| URBANO VILLAGRAN JR3 | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.91% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.48% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.44% |
| DOMINGO MUNOZ3 Filed as: DOMINGO M. MUNOZ AND OTHER AGENTS | PO BOX 775 CHARLOTTE, TX 78011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.35% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.16% |
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 | 361 | 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) | 361 | 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 | 848 | $460K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $460K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $460K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 581 | $70K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 271 | $2.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.