| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIE ALMANZA3 | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $9K | $424 | $9K | 8.43% |
| LISA A ALMANZA3 Filed as: LISA A. ALMANZA | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $4K | $0 | $4K | 3.50% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $2K | $85 | $2K | 1.89% |
| TRACY L MURILLO3 Filed as: TRACY L. MURILLO | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $2K | $85 | $2K | 1.61% |
| RONALD S SANDERS3 Filed as: RONALD S. SANDERS AND OTHER AGENTS | 744 EAST DENIM TRAIL SAN TAN VALLEY, AZ 85143 | AFLAC | $742 | $0 | $742 | 0.68% |
| LUIS MANUEL RODRIGUEZ3 | 448 NORTH SILVERBELL ROAD TUCSON, AZ 85745 | AFLAC | $384 | $0 | $384 | 0.35% |
| ROSEANN RODRIGUEZ3 | 10913 VISTA DEL SOL DRIVE EL PASO, TX 79935 | AFLAC | $230 | $0 | $230 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 NORTH OREGON STREET SUITES 210 AND 310 EL PASO, TX 79901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $70 | $2K | 2.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $53 | $1K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $655 | $655 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $0 | $1K | 8.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $270 | $34 | $304 | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $208 | $208 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD GLENDALE, VA 91203 | EYEMED VISION CARE OF BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $481 | $0 | $481 | 7.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE OF BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $104 | $0 | $104 | 1.63% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 211 | $17K |
| Vision | EYEMED VISION CARE OF BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 111 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $69K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 233 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
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.