| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INS AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | $57K | — | $57K | 3.85% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INS AGCY | PO BOX 1830 HARLINGEN, TX 78551 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $9K | $35K | 17.83% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $9K | $729 | $9K | 6.11% |
| LINDA CANTU3 | 3905 SAN GERARDO MISSION, TX 78572 | AFLAC | $7K | $319 | $7K | 4.59% |
| MEGAN L GONZALEZ3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $5K | $297 | $5K | 3.59% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $3K | $268 | $3K | 2.17% |
| JOE A CORONADO3 | 517 W KIMBALL AVE RAYMONDVILLE, TX 78580 | AFLAC | $2K | — | $2K | 1.27% |
| VERONICA LIZCANO3 | 3309 W TEMPLE DR EDINBURG, TX 78541 | AFLAC | $2K | — | $2K | 1.02% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $695 | $245 | $940 | 0.61% |
| HOLLY JO GARCIA3 Filed as: HOLLY J JOHNSON | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $668 | $13 | $681 | 0.44% |
| BENEFITS AT WORK LLC3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $577 | — | $577 | 0.38% |
| MARTHA S SALDANA3 | 7827 COPPER HOLW CONVERSE, TX 78109 | AFLAC | $265 | $188 | $453 | 0.30% |
| SOFIA ENRIQUEZ3 | 730 FICUS ST LA JOYA, TX 78580 | AFLAC | $241 | — | $241 | 0.16% |
| ONEIDA L GARCIA3 | 417 CANARY AVENUE MCALLEN, TX 78504 | AFLAC | $182 | — | $182 | 0.12% |
| ROLANDO MOYA3 | 2120 LIBERTY ST MISSION, TX 78573 | AFLAC | $149 | — | $149 | 0.10% |
| CHRISTINA R GARZA3 | 1205 ANALISA AVE ALAMO, TX 78516 | AFLAC | $57 | $81 | $138 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON & VARELA INS AGENCY INCD | 111 A HARMON CIRCLE BLUE RIDGE, TX 75424 | AFLAC | $83 | — | $83 | 0.05% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $71 | — | $71 | 0.05% |
| ADONNA R MATUREY3 | 4205 WILSON RD LOT 185 HARLINGEN, TX 78552 | AFLAC | $45 | — | $45 | 0.03% |
| CARMEN MARIA PEDRAZA-SILVA3 | 2819 ANACUA DRIVE EDINBURG, TX 78541 | AFLAC | $33 | — | $33 | 0.02% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110-200 DALLAS, TX 75205 | AFLAC | $31 | — | $31 | 0.02% |
| AMELIA E OST3 | 6804 N 30TH ST MCALLEN, TX 78504 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $7 | — | $7 | 0.00% |
| BELINDA ZARATE3 | 1201 E DAFFODIL APT C MCALLEN, TX 78501 | AFLAC | $6 | — | $6 | 0.00% |
| LISA A OLIVEIRA3 | 9917 N BENTSEN RD MCALLEN, TX 78504 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID L PENA3 | PO BOX 700 PENITAS, TX 78576 | AFLAC | $3 | — | $3 | 0.00% |
| ROLAND GONZALEZ JR3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $0 | — | $0 | 0.00% |
| ROBERT MOROLES3 | 1310 S JUNIPER PHARR, TX 78577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 5.39% |
| ROBERT RANDOLF TAYLOR3 | 809 EAST TAYLOR ST HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.68% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.08% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.67% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.54% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.40% |
| DARLA MARCENE COPPINS3 | 1702 PECAN CT HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.34% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 347 | $1.5M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $198K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $198K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 238 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.