| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GRP INC | 8000 W INTERSTATE 10 STE 1140 SAN ANTONIO, TX 78230 | BLUECROSS BLUESHIELD OF TEXAS | $41K | — | $41K | 5.03% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GRP INC | 3201 CHERRY RIDGE ST STE D-405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 11.23% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: BANK OF SAN ANTONIO | 80000 IH-10 WEST SUITE 1145 SAN ANTONIO, TX 78230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $924 | — | $924 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVC INC | 3201 CHERRY RIDGE DR STE D405 SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $634 | — | $634 | 8.39% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: BANK OF SAN ANTONIO INS GROUP | 8000 IH-10 SUITE 100 SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $269 | — | $269 | 3.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $22 | — | $22 | 0.29% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GRP INC | 8000 W INTERSTATE 10 STE 1140 SAN ANTONIO, TX 78230 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $631 | — | $631 | 9.04% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 178 | $831K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 97 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $0 |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.