| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS FARMER AGENCY | P. O. BOX 9369 AUSTIN, TX 78766 | UNITEDHEALTH CARE INSURANCE COMPANY | $0 | $48K | $48K | 3.06% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS FARMER AGENCY | 3834 SPICEWOOD SPRINGS RD SUITE 100 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $5K | $26K | 12.55% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS FARMER AGENCY | P. O. BOX 9369 AUSTIN, TX 78766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| KAREN WINRICH3 | 1460 E WHITESTONE BLVD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | — | $660 | — |
| STACY FRADY3 | 6806 CANAL STREET AUSTIN, TX 78741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $595 | — | $595 | — |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | — |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | — |
| TESSA MARIE DENTON3 | 1219 LOGAN DRIVE LEANDER, TX 78641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | — |
| NORA KALEINANI ELLIS3 | 2989 FREEMONT ST ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | — |
| MARSH & MCLENNAN AGENCY LLC3 | DBA MCQUEARY HENRY BOWLES TROY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | — |
| LACEY JANEANN WRENN3 | 1607 SHADY HILLSIDE PASS ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | — |
| CHARLENE CASTILLO3 | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| LES MILLER3 | P.O. BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH CARE INSURANCE COMPANY | 358 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $209K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $209K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $209K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.