| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIE ALMANZA3 | 5959 GATEWAY BOULEVARD WEST SUITE 655 EL PASO, TX 79925 | AFLAC | $6K | $350 | $6K | 7.22% |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 5959 GATEWAY BOULEVARD WEST SUITE 655 EL PASO, TX 79925 | AFLAC | $5K | $105 | $5K | 5.73% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $1K | $76 | $1K | 1.64% |
| CHARLOTTE A CASTILLO3 Filed as: CHARLOTTE CASTILLO AND OTHER AGENTS | 3308 EL MALECON ROAD NW ALBUQUERQUE, NM 87120 | AFLAC | $527 | $76 | $603 | 0.68% |
| LUIS RODRIGUEZ3 | 2782 WEST CARNATION PLACE TUCSCON, AZ 85745 | AFLAC | $463 | — | $463 | 0.52% |
| ROSEANN RODRIGUEZ3 | 10913 VISTA DEL SOL DRIVE EL PASO, TX 79935 | AFLAC | $235 | — | $235 | 0.27% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 EAST LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | AFLAC | $217 | — | $217 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $763 | $16K | 25.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | -$281 | -$3K | -4.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $334 | $9K | 15.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $191 | $191 | 0.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3727 NORFOLK, VA 23514 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 7.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | $51 | $2K | 10.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $179 | $1K | 9.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $299 | — | $299 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $37 | $37 | 0.25% |
| ARTURO LOPEZ3 | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $9 | — | $9 | 0.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $359 | — | $359 | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | EYEMED | $104 | — | $104 | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $499 | — | $499 | 9.10% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 250 | $31K |
| Vision(2 contracts) | EYEMED | 111 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $123K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 31 | $17K |
| Other(3 contracts, 2 carriers) | AFLAC | 344 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.