| 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. | $3K | — | $3K | 0.50% |
| 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 | $10K | — | $10K | 12.38% |
| JOE M. BERNAL3 | 11380 MONTWOOD DR SUITE B-1 EL PASO, TX 79936 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 14.60% |
| 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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 100 | $551K |
| Dental | AETNA LIFE INSURANCE CO. | 100 | $551K |
| Vision | AETNA LIFE INSURANCE CO. | 100 | $551K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 126 | $123K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 73 | $82K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 73 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.