| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $101K | $101K | 5.11% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59K | $0 | $59K | 19.04% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1607 NORTH AURORA ROAD, SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.00% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $6K | $47K | 17.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 7.09% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.61% |
| LARRY GLENN JONES JR3 Filed as: LARRY GLENN JONES JR. | 4610 DEZABALA ROAD SAN ANTONIO, TX 78249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $746 | $0 | $746 | 2.14% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | $0 | $206 | 0.59% |
| URBANO VILLAGRAN JR3 Filed as: URBANO VILLAGRAN JR. | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | $0 | $175 | 0.50% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 0.48% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.26% |
| ROGELIO R. ESPARZA3 Filed as: ROGELIO R. ESPARZA AND OTHER AGENTS | 1314 SOUTH A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.24% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $262K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $310K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $310K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $310K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $2.0M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.