| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M. BERNAL3 | 11240 VISTA DEL SOL DRIVE. STE E EL PASO, TX 79936 | AETNA LIFE INSURANCE CO. | — | $1K | $1K | 0.22% |
| JOE M. BERNAL3 | 11604 LAKE ERIE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 8.20% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVE. EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.56% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | 2.33% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DR. EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $110 | $1K | 1.46% |
| MARICELA GARCIA3 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.46% |
| ALMA ROBLES3 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.44% |
| DIANA M SOTO3 | 12445 ROBERT DAVID DR. EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.26% |
| LIZA VALERIA DOMINGUEZ3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $282 | $835 | 0.99% |
| ADRIANA CORONADO3 | 354 DENTON ST. CLINT, TX 79836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $0 | $739 | 0.88% |
| ORLANDO MERCADO3 | 326 VILLA CANTO EL PASO, TX 79920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $17 | $455 | 0.54% |
| LUIS CARLOS SANDOVAL3 | 3141 AMARILLO ST. EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $15 | $273 | 0.32% |
| CRYSTAL VICTORIA BARNES3 | 535 S. MESA HILLS APT. 1114 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 0.25% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $5 | $171 | 0.20% |
| MARIA GRACIELA PAMANES3 | 1660 FORGAN WAY EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $74 | $162 | 0.19% |
| ANGELA RENEE HERNANDEZ3 | 1115 JOHN PHELAN EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $2 | $98 | 0.12% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PI EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $12 | $90 | 0.11% |
| D&I INTERNATIONAL PARTNERS INC3 Filed as: D & I INTERNATIONAL PARTNERS INC | 449 EL CAMINO DR. EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $23 | $78 | 0.09% |
| WESLEY DORMAN3 | 200 SHADOW MOUNTAIN DR. EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $14 | $58 | 0.07% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $1 | $42 | 0.05% |
| ELISABETH CHESHIRE CHAVEZ3 | 6380 FRANKLIN GATE DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| JACQUELINE PAPKE GONZALEZ3 | 10660 JETROCK DRIVE EL PASO, TX 79935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| JOAQUIN MANUEL DAVILA3 | 221 N KANSAS ST. STE 729 EL PASO, TX 79901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| JOE M. BERNAL3 | 11240 VISTA DEL SOL DRIVE. STE E EL PASO, TX 79936 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 12.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOE BERNAL FINANCIAL SERVICES INC. EIN 06-6033492 BROKER | Insurance agents and brokers Service code 22 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | $32K |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 111 | $686K |
| Dental | HUMANA INSURANCE COMPANY | 159 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 159 | $72K |
| Life insurance | HUMANA INSURANCE COMPANY | 159 | $72K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $84K |
| Other | HUMANA INSURANCE COMPANY | 159 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.