| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $29K | $15K | $44K | 4.56% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY | 9311 SAN PEDRO AVENUE, STE 550 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $0 | $72K | 20.07% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $0 | $19K | 5.91% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 3.75% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $935 | $5K | 1.62% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 1.37% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $598 | $4K | 1.25% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| BRIAN WHITE3 Filed as: BRIAN R. MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $829 | $28 | $857 | 0.27% |
| LEONIDES H VILLA3 Filed as: LEONIDES H. VILLA | 522 EAST VILLARET BOULEVARD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $33 | $780 | 0.24% |
| THOMAS B. HOUSE3 | 2145 MAPLE STREET SIDNEY, NE 69162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | $0 | $733 | 0.23% |
| GARY P QUANDT3 Filed as: GARY P. QUANDT | 3206 YORKTOWN DRIVE SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $7 | $385 | 0.12% |
| PAUL LARSON3 | 611 NORTH BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $0 | $319 | 0.10% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $33 | $273 | 0.09% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $35 | $267 | 0.08% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $33 | $144 | 0.04% |
| THE PINNACLE BEN GRP, INC.3 | P.O. BOX 640 BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 0.04% |
| JOHN DAVID BODKER3 | 11230 WEST AVENUE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $86 | $127 | 0.04% |
| CHRISTINE LYNN MORGESTER3 | 2137 NORTH Q STREET WASHOUGAL, WA 98671 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.02% |
| PAUL D GIESE3 Filed as: PAUL D. GIESE | 5602 NEEDVILLE STREET SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.02% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.02% |
| KIMBERLEY BRIDGETTE VECCHIO-WALKER3 | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $7 | $64 | 0.02% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS, LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $36 | $55 | 0.02% |
| ALISSA I. MORALES3 | 10735 GREEN TRAIL SAN ANTONIO, TX 78223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.01% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.01% |
| N PAULINE FERRELL3 Filed as: N. PAULINE FERRELL | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.01% |
| JOSEPH R. SAINATO3 | 7714 MEADOWN LANE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| BRADLEY KAUFFMAN3 | 171 SWEETWATER DRIVE SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| LES MILLER3 | P.O. BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| TERRI L KEESE3 Filed as: TERRI L. KEESE | 13890 STATE HIGHWAY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NORTHWEST 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| J0HN MITCHELL3 | 19135 US HIGHWAY 19 NORTH APARTMENT G6 CLEARWATER, FL 33764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| FREDRICK D BRADFORD3 Filed as: FREDRICK D. BRADFORD | 16057 OAKLEY ROAD RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NORTHEAST 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BRYAN INGLIS3 Filed as: BRYAN JAMES INGLIS | 6122 GARDEN LAKES LANE SUGAR LAND, TX 77479 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC INVESTMENT SERVICES, LLC | 9311 SAN PEDRO AVENUE SAN ANTONIO, TX 78216 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $576 | $21K | $22K | 14.73% |
| ROBERT B. FAKHIMI3 | 3003 OAK ROAD WALNUT CREEK, CA 945974541 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.17% |
| ROBERT B. FAKHIMI3 Filed as: ROBERT FAKHIMI | 101 METRO DRIVE SAN JOSE, CA 95110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $648 | $648 | 0.44% |
| GREGORY L. COHN3 | 3003 OAK ROAD #250 WALNUT CREEK, CA 945974541 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $392 | $0 | $392 | 0.27% |
| OCEAN CONSULTING GROUP3 | 160 EILEEN WAY SYOSSET, NY 11791 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 30.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.2M |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS PROCESSOR | Plan Administrator Service code 14 | ONE SUN LIFE EXCUTIVE PARK WELLESLEY HILLS, MA 024815699 | $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 | 2,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,826 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,684 | $229K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,150 | $1.3M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 388 | $320K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,150 | $1.1M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,826 | $838K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,534 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,826 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.