| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M. BERNAL3 Filed as: JOE BERNAL FINANCIAL SERVICES INC | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.83% |
| JOE M. BERNAL3 Filed as: JOE BERNAL INS SVCS INC | 11240 VISTA DEL SOL DR. STE 3 EL PASO, TX 79936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 36.36% |
| JOE M. BERNAL3 | 11380 MONTWOOD DR SUITE B-1 EL PASO, TX 79936 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 14.71% |
| JOE M. BERNAL3 | 11604 LAKE ERIE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | — | $609 | 6.56% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVE. EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $104 | $325 | 3.50% |
| DIANA M SOTO3 | 12988 RUNWAY AVE EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 2.20% |
| MARICELA GARCIA3 | 516 LICHFIELD DR EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 1.63% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.14% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 326 VILLA CANTO EL PASO, TX 79920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $49 | $99 | 1.07% |
| ALMA ROBLES3 | 11240 VISTA DEL SOL DR. STE E EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 1.00% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DR. EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $11 | $88 | 0.95% |
| MARIA GRACIELA PAMANES3 | 1660 FORGAN WAY EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $17 | $65 | 0.70% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| ANGELA RENEE HERNANDEZ3 | 12613 PASCO RAE AVENUE EL PASO, TX 79928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PI EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| LUISA IVETH DE STEFANO3 | 1265 SOUTHWESTERN DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| LUIS CARLOS SANDOVAL3 | 3141 AMARILLO ST. EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| 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 | $2 | — | $2 | 0.02% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ELISABETH CHESHIRE CHAVEZ3 | 6380 FRANKLIN GATE DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| 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 | $23K |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 111 | $490K |
| Dental | AETNA LIFE INSURANCE CO. | 111 | $481K |
| Vision | AETNA LIFE INSURANCE CO. | 111 | $481K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 143 | $112K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $80K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 76 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.