| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOLFF GUY3 Filed as: WOLFF, GUY | P.O. BOX 80324 CHARLESTON, SC 29416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 6.80% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 5.10% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH E | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 5.10% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 21.36% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 19.94% |
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES, INC. | 22322 GRAND CORNER DRIVE STE 200 KATY, TX 77494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 25.00% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 21.26% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 19.82% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 22.36% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 20.91% |
| STEGENT, LARRY3 | 10500 NW FREEWAY, 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.19% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 18.76% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.91% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 18.50% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.09% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.61% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 21.33% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.89% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.09% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.61% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.79% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 18.39% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.33% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.89% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.36% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.64% |
| LUMBRERAS, MELISSA3 | 8903 BOWLINE SAN ANTONIO, TX 78242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | — | $200 | 1.19% |
| FIDELITY BENEFITS & INSURANCE3 Filed as: FIDELITY BNFTS & INS SVCS LLLP | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| AMS INSURANCE & ASSOCIATES3 | 1327 W. MAGNOLIA AVE SAN ANTONIO, TX 78201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.23% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 18.80% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.00% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.68% |
| STEGENT, LARRY3 | 11500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.04% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.65% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.57% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.27% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 21.07% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $317 | — | $317 | 19.76% |
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 | 911 | 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) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(17 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 911 | $456K |
| Short-term disability(18 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 911 | $721K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 404 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.