| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIE ALMANZA3 | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $15K | $445 | $16K | 9.96% |
| TRACY L MURILLO3 Filed as: TRACY L. MURILLO | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $4K | $89 | $4K | 2.70% |
| LISA A ALMANZA3 Filed as: LISA A. ALMANZA | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $4K | $0 | $4K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AFLAC | $3K | $0 | $3K | 1.64% |
| JEFF DALABA3 Filed as: JEFF CLACK | 4215 BOULDER COURT GIG HARBOR, WA 98332 | AFLAC | $2K | $0 | $2K | 1.25% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $1K | $89 | $1K | 0.92% |
| LUIS M. RODRIGUEZ AND OTHER AGENTS3 | 448 NORTH SILVERBELL ROAD TUCSON, AZ 85745 | AFLAC | $1K | $0 | $1K | 0.86% |
| 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 | $15K | $1K | $16K | 20.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $874 | $132 | $1K | 11.64% |
| 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. | $538 | $0 | $538 | 7.16% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 93 | $9K |
| Vision | EYEMED VISION CARE OF BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 116 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 366 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 366 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.