| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $113K | $113K | 5.60% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $153 | $77K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 2520 NORTHWINDS PARKWAY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $9K | $34K | 6.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25K | $25K | 4.95% |
| LARRY GLENN JONES JR3 Filed as: LARRY GLENN JONES JR. | 4610 DEZABALA ROAD SAN ANTONIO, TX 78249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | $0 | $257 | 3.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | $0 | $141 | 1.95% |
| URBANO VILLAGRAN JR3 Filed as: URBANO VILLAGRAN JR. | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.71% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.58% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.48% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.25% |
| MJ INSURANCE3 Filed as: ROGELIO ESPARZA AND VARIOUS AGENTS | 1314 SOUTH A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.25% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $512K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $512K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $512K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $512K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $512K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $2.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.