| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M. BERNAL3 | 11604 LAKE ERIE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 8.54% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVE. EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 5.44% |
| DIANA M SOTO3 | 12445 ROBERT DAVID DR. EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| MARICELA GARCIA3 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DR. EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | $81 | $1K | 1.20% |
| ALMA ROBLES3 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| MARIA GRACIELA PAMANES3 | 1660 FORGAN WAY EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $89 | $631 | 0.72% |
| LIZA VALERIA DOMINGUEZ3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $468 | $114 | $582 | 0.67% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 326 VILLA CANTO EL PASO, TX 79920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $174 | $306 | 0.35% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.12% |
| ADRIANA CORONADO3 | 354 DENTON ST. CLINT, TX 79836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| ANGELA RENEE HERNANDEZ3 | 1115 JOHN PHELAN EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PI EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.07% |
| LUISA IVETH DE STEFANO3 | 1265 SOUTHWESTERN DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.06% |
| LUIS CARLOS SANDOVAL3 | 3141 AMARILLO ST. EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| ORLANDO MERCADO3 | 326 VILLA CANTO EL PASO, TX 79920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $4 | $53 | 0.06% |
| 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 | $28 | — | $28 | 0.03% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| CRYSTAL VICTORIA BARNES3 | 535 S. MESA HILLS APT. 1114 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ELISABETH CHESHIRE CHAVEZ3 | 6380 FRANKLIN GATE DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| JACQUELINE PAPKE GONZALEZ3 | 10660 JETROCK DRIVE EL PASO, TX 79935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOE M. BERNAL3 | 11240 VISTA DEL SOL DRIVE. STE E EL PASO, TX 79936 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 12.62% |
| 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 | $28K |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 104 | $605K |
| Dental | HUMANA INSURANCE COMPANY | 149 | $75K |
| Vision | HUMANA INSURANCE COMPANY | 149 | $75K |
| Life insurance | HUMANA INSURANCE COMPANY | 149 | $75K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 104 | $87K |
| Other | HUMANA INSURANCE COMPANY | 149 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
No prospect flags tripped on this filing.