| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELSA ALICIA RUIZ3 | — | BLUECROSS BLUESHIELD OF TEXAS | $5K | — | $5K | 2.81% |
| SHEPARD & WALTON LIFE INSURANCE3 Filed as: SHEPARD & WALTON LIFE INSURANCE AGE | — | BLUECROSS BLUESHIELD OF TEXAS | $5K | — | $5K | 2.81% |
| INSURORS OF TEXAS GENERAL AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $180 | $180 | 0.10% |
| SHEPARD & WALTON LIFE INSURANCE3 | AGENCY INC 1906 E TYLER AVE STE B HARLINGEN, TX 78550 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.50% |
| DEL VALLE, ELSA A3 | 2816 QUAIL AVE MCALLEN, TX 78504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.54% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES LLC, | DBA PROFESSIONAL ENROLLMENT CONCEPT 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.59% |
| SHEPARD & WALTON LIFE INS AGENCY3 | 1906 E TYLER AVE STE B HARLINGEN, TX 785507109 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $281 | $1K | 5.87% |
| ELSA ALICIA RUIZ3 | 2816 QUAIL AVE MCALLEN, TX 785044276 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.64% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 30 | $182K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 63 | $23K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 63 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $103K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.