| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 3611 PAESONOS PARKWAY SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | $52K | — | $52K | 6.08% |
| JAMES E MCNEEL3 | 8033 NORTH NEW BRAUNFELS AVENUE APARTMENT 200A SAN ANTONIO, TX 78209 | AFLAC | $20 | — | $20 | 3.06% |
| LYNETTE D MCCLARAN3 | 118 TOWNE VUE DRIVE SAN ANTONIO, TX 78213 | AFLAC | $14 | — | $14 | 2.14% |
| CAROLYN B TWYFORD3 | 15422 PEBBLE GATE SAN ANTONIO, TX 78232 | AFLAC | $8 | — | $8 | 1.22% |
| ROY C WILCOX3 | 19115 GREY FOREST DRIVE HELOTES, TX 78023 | AFLAC | $8 | — | $8 | 1.22% |
| JOHN D BODKER3 | 11230 WEST AVENUE SUITE 3101 SAN ANTONIO, TX 78213 | AFLAC | $7 | — | $7 | 1.07% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $3 | — | $3 | 0.46% |
| MARGARET K GRAVES3 | PO BOX 790539 SAN ANTONIO, TX 78279 | AFLAC | $3 | — | $3 | 0.46% |
| RONALD N GRAVES3 | 831 SOUTH FLORES STREET SUITE 2407 SAN ANTONIO, TX 78204 | AFLAC | $1 | — | $1 | 0.15% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 144 | $850K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 144 | $850K |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 144 | $850K |
| Short-term disability | BLUECROSS BLUESHIELD OF TEXAS | 144 | $850K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 144 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.