| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 4360 NORTH LOOP 1604 WEST SUITE 410 SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $63K | $4K | $67K | 2.87% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | UNKNOWN ROCKDALE, TX 76567 | BLUECROSS BLUESHIELD OF TEXAS | $49K | $0 | $49K | 2.08% |
| CHRISTOPHER MICHAEL MENDEZ3 | 6102 COPPER SKY COURT MIDLAND, TX 79705 | AFLAC | $17K | $932 | $18K | 10.73% |
| SARA MENDEZ3 Filed as: SARA D. MENDEZ | 6102 COPPER SKY COURT MIDLAND, TX 79705 | AFLAC | $13K | $639 | $13K | 7.83% |
| MJ INSURANCE3 Filed as: ZACHARY TODD FOX & VARIOUS AGENTS | 4420 VILLAGE WAY ODESSA, TX 79762 | AFLAC | $11K | $913 | $12K | 7.19% |
| MANUEL RONQUILLO3 Filed as: MANUEL ANONIO RONQILLO | 2720 ROGER AVENUE ODESSA, TX 79762 | AFLAC | $9K | $296 | $9K | 5.28% |
| CHRISTEN WISE3 | 218 FM 2378 LUBBOCK, TX 79407 | AFLAC | $7K | $0 | $7K | 4.31% |
| RODGER LINCOLN WELLS3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $6K | $37 | $6K | 3.65% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | AFLAC | $3K | $0 | $3K | 1.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.58% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.40% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 414 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 414 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 405 | $48K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 405 | $48K |
| Short-term disability | AFLAC | 249 | $168K |
| Long-term disability | AFLAC | 249 | $168K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 414 | $2.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 405 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.