| 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 | $37K | $2K | $39K | 2.30% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 3512 PAESANOS PKWY STE 200 SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | — | $16K | $16K | 0.93% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GRP INC | 3201 CHERRY RIDGE STREET SUITE 50 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $11 | $8K | 9.21% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| 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 | $938 | — | $938 | 7.15% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL, LLC | 3512 PAESANOS PARKWAY SUITE 200 SAN ANTONIO, TX 78231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $374 | — | $374 | 2.85% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO I | 1900 NORTHWEST LOOP 410 SUITE 200 SAN ANTONIO, TX 78213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $959 | $112 | $1K | 11.47% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442 | — | $442 | 4.73% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO I | 1900 NORTHWEST LOOP 410 SUITE 200 SAN ANTONIO, TX 78213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $622 | $129 | $751 | 8.09% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $307 | — | $307 | 3.31% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GRP INC | 1900 NORTHWEST LOOP 410 SUITE 250 SAN ANTONIO, TX 78230 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $698 | — | $698 | 7.62% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FFREEWAY SUITE 350 HOUSTON, TX 77094 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $176 | — | $176 | 1.92% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO I | 8000 IH 10 WEST SUITE 100 SAN ANTONIO, TX 78230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | — | $740 | 10.00% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO I | 8000 IH 10 WEST SUITE 100 SAN ANTONIO, TX 78230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVC INC | DBA ALAMO INSURANCE GROUP 3201 CHERRY RIDGE DR STE D405 SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $472 | — | $472 | 6.95% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: BANK OF SAN ANTONIO INS GROUP | 1900 NW LOOP 410 STE 200 SAN ANTONIO, TX 78213 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $236 | — | $236 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $20 | — | $20 | 0.29% |
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FREEWAY STE 350 HOUSTON, TX 77094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $7 | — | $7 | 0.10% |
| ALFRED B. OSBURN3 Filed as: ALFRED B OSBURN | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $1 | — | $1 | 0.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 161 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $94K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 84 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $85K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $17K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23 | $17K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.