Open any plan below to see its carriers, broker commissions and premiums.
Solo shows those sections on each welfare plan. Your first month is $4.99.
Sponsor portfolioWelfare / HealthEIN 74-2712971
HEARD AND SMITH LLP
10715 GULFDALE STE 100 · SAN ANTONIO, TX 78216
2104775522
- Plans filed
- 3
- Years active
- 2016–2025
- Industry
- NAICS 54
- Latest filing
- 2025
Total premiums (latest)
$527K
No prior year
Persons covered
114
No prior year
Total participants
114
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #502$594K
HEARD & SMITH MEDICAL PLAN
Fully insured120 covered·1 carrier
Primary: AETNA LIFE INSURANCE COMPANY
Plan #504$527K
HEARD & SMITH HEALTH & WELFARE BENEFITS PLAN
Mixed114 covered·4 carriers
Primary: BLUECROSS BLUESHIELD OF TEXAS
Plan #503$112K
HEARD AND SMITH ANCILLARY PLAN
Fully insured124 covered·2 carriers
Primary: THE GUARDIAN LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Dental | $449K | 58.5% | |
| Other | $78K | 10.1% | |
| Vision | $60K | 7.8% | |
| Life | $60K | 7.8% | |
| Short-term disability | $60K | 7.8% | |
| Long-term disability | $60K | 7.8% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 361236610 | D | $449K | 85.2% | 1 | 1 | 114 |
EIN 362598882 | VLSTDLTDOth | $60K | 11.4% | 1 | 1 | 103 |
EIN 135123390 | Oth | $10K | 1.9% | 1 | 1 | 46 |
EIN 364233459 | Oth | $8K | 1.5% | 1 | 1 | 14 |
Broker overview
4 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| BUSINESS PLANNING CONCEPTS | JACKSONVILLE, FL | THE GUARDIAN LIFE INSURANCE COMPANY, DEARBORN LIFE INSURANCE COMPANY, BLUECROSS BLUESHIELD OF TEXAS, ZURICH AMERICAN INSURANCE COMPANY | $26K | $1K | $27K | 97.5% | 1 |
| EMILY ALLCORN | WOODLANDS, TX | ZURICH AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 1.1% | 1 |
| RICK R. CLARY | HIGHLAND BEACH, FL | ZURICH AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 1.1% | 1 |
| ACCURISK SOLUTIONS, LLC | MARSHFIELD, MA | ZURICH AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.3% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan