| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA A ALMANZA3 Filed as: LISA A. ALMANZA | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $11K | $0 | $11K | 6.81% |
| LOUIE ALMANZA3 | 4171 NORTH MESA STREET, SUITE A102 EL PASO, TX 79902 | AFLAC | $5K | $0 | $5K | 3.36% |
| TRACY L MURILLO3 Filed as: TRACY L. MURILLO | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $5K | $0 | $5K | 3.01% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $3K | $0 | $3K | 1.77% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | AFLAC | $2K | $0 | $2K | 1.10% |
| LUIS M. RODRIGUEZ AND OTHER AGENTS3 | 102 SOUTH LONGFELLOW AVENUE TUCSON, AZ 85711 | AFLAC | $800 | $0 | $800 | 0.51% |
| JEFF DALABA3 Filed as: JEFF CLACK | 4215 BOULDER COURT GIG HARBOR, WA 98332 | AFLAC | $362 | $0 | $362 | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $12K | $37K | 23.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $472 | $78 | $550 | 13.01% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $161K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $156K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $156K |
| Other(2 contracts, 2 carriers) | AFLAC | 412 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.