| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELSA A RUIZ3 | 2816 QUAIL AVE MCALLEN, TX 785044276 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 2.66% |
| SHEPARD & WALTON LIFE INS AGENCY3 | INC PO BOX 1830 HARLINGEN, TX 785511830 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 2.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LL | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 17.98% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SHEPARD & WALTON LIFE INSURANC | 8217 SHOAL CREEK BLVD SUITE 108 AUSTIN, TX 78757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 8.69% |
| ELSA ALICIA RUIZ3 Filed as: ELSA ALCIA RUIZ | 2816 QUAIL AVE MCALLEN, TX 78504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.70% |
| SHEPARD & WALTON LIFE INS AGENCY3 | 1906 E TYLER AVE STE B HARLINGEN, TX 785507109 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $275 | $2K | 5.53% |
| ELSA ALICIA RUIZ3 | 2816 QUAIL AVE MCALLEN, TX 785044276 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.83% |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $452K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $39K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $39K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.