| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $63K | $0 | $63K | 4.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | BLUECROSS BLUESHIELD OF TEXAS | $10K | $0 | $10K | 0.71% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 16.71% |
| 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 | $9K | $9K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.36% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $45 | $20K | 13.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 6.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $2 | $27 | 0.02% |
| LARRY GLENN JONES JR3 Filed as: LARRY GLENN JONES, JR. | 4610 DEZABALA ROAD SAN ANTONIO, TX 78249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $418 | $0 | $418 | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | $0 | $237 | 2.04% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.58% |
| CHRIS WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.32% |
| MJ INSURANCE3 Filed as: OSCAR H. MUNOZ AND VARIOUS AGENTS | 1909 SANTA MARIA AVENUE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.31% |
| ROGELIO R. ESPARZA3 | 1314 SOUTH A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.22% |
| URBANO VILLAGRAN JR3 Filed as: URBANO VILLAGRAN, JR. | 434 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.22% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 176 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $155K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $206K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $206K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $206K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 176 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.