| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVE, STE 550 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $60K | — | $60K | 3.29% |
| EMERALD MICKINNEY3 | 135 CANDELARIA HELOTES, TX 78023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| TAG 2 BENEFITS INC3 | P.O. BOX 87 BURNET, TX 78611 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.30% |
| STARNES DONDAL W3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $865 | — | $865 | 1.83% |
| FOUNDATION BENEFITS LLC3 | P.O. BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 0.29% |
| WHITBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.11% |
| STARNES REBECCA3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| COWDEN BEN3 | 170 IDAHO ST VAN, TX 75790 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.08% |
| MARTINEZ ANITA3 | 322 CRESTWIND DR SAN ANTONIO, TX 78239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| STARNES ROBIN A3 | 2922 GUINN FARMS ROAD TYLER, TX 75707 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| NAVITIDAD JANICA3 | 15124 SAN PADRE AVE SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| OSBURN ALFRED B3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVE, STE 550 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.63% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 310 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 310 | $1.8M |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 89 | $47K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 89 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 26 | $16K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 89 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.