Lone Star National Bank
Updated Filing received by DOL
Lone Star National Bank, a finance & insurance employer in McAllen, Texas, reported 524 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $383,342 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 15, 2025, within the extension window.
Who was paid on Lone Star National Bank's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Lone Star National Bank filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lone Star Insurance Services Inc · McAllen, TX | $75,285 | $221,796 | $297,081 | 5 |
| Lone Star Insurance SVCS Inc · McAllen, TX | $62,832 | $0 | $62,832 | 3 |
| Timothy Cobb · Barry, TX | $4,980 | $7,848 | $12,828 | 1 |
| Sa General Agency Inc · San Antonio, TX | $4,779 | $1,364 | $6,143 | 1 |
| Kristi Kay Osborne · San Antonio, TX | $664 | $612 | $1,276 | 1 |
| Wynona Snyder · San Antonio, TX | $949 | $0 | $949 | 1 |
| Thomas Snyder · New Braunfels, TX | $682 | $10 | $692 | 1 |
| Horizon Benefits LLC · San Antonio, TX | $589 | $0 | $589 | 1 |
| Daniel Martin Roman · Selma, TX | $201 | $309 | $510 | 1 |
| Shawn Osborne · San Antonio, TX | $38 | $138 | $176 | 1 |
| Roberto Ramirez · Pharr, TX | $100 | $0 | $100 | 1 |
| Michael Anthony Chandler · Converse, TX | $46 | $0 | $46 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| The Lincoln National Life Insurance Companylong-term disability | 657 | — | $6,919 | — |
| The Lincoln National Life Insurance Companylife | 657 | — | $6,745 | — |
| The Lincoln National Insurance Companycoverage not coded | 545 | — | $7,867 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 425 | — | $20,013 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 516 | — | $34,952 | — |
| Unitedhealthcare Insurance Companyhealth, dental, vision | 1,001 | — | $249,475 | — |
| Combined Insurancelife, long-term disability | 75 | — | $5,442 | — |
| Colonial Life & Accident Insurance Companylife | 279 | — | $51,929 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Lone Star National Bank compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 491 | 524 | +6.7% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $194,109 | $383,342 | +97.5% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Lone Star National Bank Employee Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 15, 2025 | within extension | 524 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Lone Star National Bank pay in health insurance broker commissions in 2024?
Lone Star National Bank's 2024 Form 5500 reports $383,342 in broker commissions and fees across 8 insurance contracts ($151,265 in commissions, $232,077 in fees), with Lone Star Insurance Services Inc receiving the largest share.
Is Lone Star National Bank's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Unitedhealthcare Insurance Company.
How does Lone Star National Bank's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lone Star National Bank because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.