| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $128K | $9 | $128K | 5.52% |
| SECURE BENEFITS, LLC3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $101K | $1K | $102K | 13.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $7K | $40K | 5.35% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 4.34% |
| LARRY GLENN JONES JR3 | 613 NW LOOP 410, SUITE 195 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | $0 | $715 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | $0 | $359 | 1.79% |
| URBANO VILLAGRAN JR3 | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.82% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.48% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.47% |
| ROGELIO R. ESPARZA3 Filed as: ROGELIO R. ESPARZA AND OTHER AGENTS | 1314 SOUTH A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.23% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.21% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 480 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $738K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $738K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $738K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $738K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $738K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 480 | $2.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.