| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO SUITE 600 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $102K | — | $102K | 4.88% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE SUITE 600 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 10.87% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY,INC. | 9311 SAN PEDRO SUITE 600 SAN ANOTNIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 16.30% |
| ALLISON W COHEN DE PAOLI3 | 250 LOVERA BLVD SAN ANTONIO, TX 78212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.66% |
| JASON BODKER3 | 11230 WEST AVENUE STE 3103 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.66% |
| JOHN DAVID BODKER3 Filed as: JOHN D BODKER II | 11230 WEST AVENUE STE 3103 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 1700 N. 49TH STREET MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.17% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.11% |
| ANDREW M GARCIA3 Filed as: ANDREW GARCIA | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.06% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| JAMES ROB BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.04% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.04% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.02% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 874 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 750 | $228K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 874 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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.