| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOTKISS INS AGENCY LLC3 | 4120 INTERNATIONAL PKWY 2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 9.70% |
| WOLFF GUY3 Filed as: WOLFF, GUY | P.O. BOX 80324 CHARLESTON, SC 29416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 6.88% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.56% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.12% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.37% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY STE 2000 CARROLTON, TX 75007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $965 | $965 | 1.39% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.98% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.85% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.40% |
| STEGENT, LARRY3 | 10500 NW FREEWAY, 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.44% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.01% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.30% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.43% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.84% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.11% |
| HILL, SARAH ELIZABETH3 Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.67% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.23% |
| HILL, SARAH ELIZABETH Filed as: HILL, SARAH | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.64% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | — | $774 | 3.92% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $696 | — | $696 | 3.53% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.70% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.69% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $968 | — | $968 | 5.14% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | — | $876 | 4.65% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | — | $874 | 5.20% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $793 | — | $793 | 4.72% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.97% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.33% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.94% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $966 | — | $966 | 6.33% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 4.26% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 3.81% |
| STEGENT, LARRY3 | 10500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $601 | — | $601 | 8.75% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $555 | — | $555 | 8.08% |
| STEGENT, LARRY3 | 11500 NW FREEWAY 165 HOUSTON, TX 77092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 7.35% |
| HILL, SARAH ELIZABETH3 | 9307 PACIFIC MAPLE SAN ANTONIO, TX 78254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 6.77% |
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 | 1,223 | 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) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(21 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,223 | $639K |
| Short-term disability(22 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,223 | $1.0M |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 620 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,223 | — |
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.