| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M. BERNAL3 Filed as: JOE BERNAL INSURANCE SVCS INC | 11240 VISTA DEL SOL DR, SUITE E EL PASO, TX 79936 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 0.25% |
| JOE M. BERNAL3 Filed as: JOE BERNAL INSURANCE SVCS INC | 11380 MONTWOOD DR STE B1 E EL PASO, TX 79936 | AETNA LIFE INSURANCE CO. | $662 | $0 | $662 | 0.10% |
| JOE M. BERNAL3 Filed as: JOE BERNAL INSURANCE SVCS INC | 11380 MONTWOOD DR STE B1 E EL PASO, TX 79936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.47% |
| COMBS DAVID | 714 LINDON LANE STE 12 LOUISVILLE, KY 42222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| PLANCHOICE INC Filed as: PLANCHOICE | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BOSTON THOMAS W | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOE M. BERNAL3 Filed as: JOE M BERNAL | 11380 MONTWOOD DR STE B1 E EL PASO, TX 79936 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 15.92% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 76 | $696K |
| Dental | AETNA LIFE INSURANCE CO. | 76 | $696K |
| Vision | AETNA LIFE INSURANCE CO. | 76 | $696K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 131 | $97K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 66 | $61K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 66 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.