| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO CORPORATION STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $140K | — | $140K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $10K | — | $10K | 2.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| 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 | $57K | — | $57K | 20.05% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC INVESTMENT SERVICES LLC | 9311 SAN PEDRO AVE SUITE 600 SAN ANTONIO, TX 78216 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $161 | $3K | 4.18% |
| ROBERT B. FAKHIMI3 | 4140 ARBOLADO DR WALNUT CREEK, CA 945984674 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| GREGORY L. COHN3 | 6701 KOLL CENTER PKWY STE 140 PLEASANTON, CA 945668061 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $157 | $42 | $199 | 0.24% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | RELIANCE STANDARD LIFE INSURANCE CO | $5K | — | $5K | 15.07% |
| OCEAN CONSULTING GROUP3 | 1555 PALM BEACH LAKES BLVD SUITE 810 WEST PALM BEACH, FL 33401 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 29.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $984K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $16K |
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 | 1,701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,546 | $297K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 2,105 | $932K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 2,105 | $588K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 3,381 | $1.5M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 2,167 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,381 | — |
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.