| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELSA A RUIZ3 | 2816 QUAIL AVE MCALLEN, TX 785044276 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 2.70% |
| SHEPARD & WALTON LIFE INS AGENCY3 | INC. PO BOX 1830 HARLINGEN, TX 785511830 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 2.70% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS, | INC. STE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 14.46% |
| RUIZ, ELSA, ALICIA3 | 2816 QUAIL AVE MCALLEN, TX 78504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.20% |
| SHEPARD & WALTON LIFE INSURANCE3 | AGENCY INC PO BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $75 | $3K | 2.26% |
| INGLIS, BRYAN, JAMES3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.88% |
| BAKER, BRENNAN, DWAINE3 Filed as: BAKER, ALLEN | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $544 | — | $544 | 0.44% |
| BAKER, BRENNAN, DWAINE3 | SUITE 345 6200 SAVORY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $366 | — | $366 | 0.29% |
| SHEPARD & WALTON LIFE INS AGENCY3 | 1906 E TYLER AVE STE B HARLINGEN, TX 785507109 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $290 | $2K | 5.80% |
| ELSA ALICIA RUIZ3 | 2816 QUAIL AVE MCALLEN, TX 785044276 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.06% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $495K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $39K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $39K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 417 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.