| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | HUMANA HEALTH PLAN OF TEXAS, INC. | $35K | $0 | $35K | 4.42% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 9.91% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.06% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | DENTICARE, INC. | $876 | $0 | $876 | 9.63% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 113 | $786K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 126 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 126 | $63K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $51K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 113 | $786K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.