| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $17K | — | $17K | 19.70% |
| ALLISON W COHEN DE PAOLI3 | 250 LOVERA BLVD SAN ANTONIO, TX 78212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 16.15% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| CHRISTIAN M KRUEGER3 | 1011 MEREDITH DR STE 4 AUSTIN, TX 78748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860 | — | $860 | 1.01% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 0.89% |
| JASON BODKER3 | 11230 WEST AVENUE STE 3103 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 0.27% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.18% |
| JOHN DAVID BODKER3 Filed as: JOHN D BODKER II | 11230 WEST AVENUE STE 3103 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.16% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 1700 N. 49TH STREET MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ANDREW M GARCIA3 Filed as: ANDREW GARCIA | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW D BROWN | 1259 LOOP 337 STE 200 NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAMES ROB BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 874 | $3.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 678 | $3.2M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 874 | $85K |
| 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.
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.