| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $37K | $0 | $37K | 5.55% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2K | $2K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 18.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, TX 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $321 | $14K | 14.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.66% |
| SECURE BENEFITS, LLC3 | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | -$97 | $63 | -$34 | -0.03% |
| LARRY GLENN JONES JR3 Filed as: LARRY GLENN JONES, JR. | 4610 DE ZAVALA ROAD SAN ANTONIO, TX 78249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | $0 | $116 | 2.14% |
| CHRIS WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.48% |
| DENISE S VILLAGRAN3 Filed as: DENISE S. VILLAGRAN & OTHER AGENTS | 3636 SOUTH ALAMEDA, SUITE B CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.37% |
| ROGELIO R. ESPARZA3 | 1314 SOUTH A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.35% |
| DOMINGO MUNOZ3 Filed as: DOMINGO M. MUNOZ | PO BOX 775 CHARLOTTE, TX 78011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 110 | $660K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $100K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $149K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $149K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $149K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 110 | $660K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.