| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS FARMER AGENCY | PO BOX 9369 AUSTIN, TX 78766 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.17% |
| LEWIS WATKINS FARMER AGENCY INC3 | PO BOX 9369 AUSTIN, TX 78766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.68% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 7.52% |
| KAREN WINRICH3 | 4434 HUNTERS LODGE DRIVE ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $158 | $1K | 6.04% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $142 | $275 | 1.62% |
| STACY FRADY3 | 6806 CANAL STREET AUSTIN, TX 78741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA MCQUEARY HENRY BOWLES TROY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| CHARLENE CASTILLO3 | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| LES MILLER3 | P.O. BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS FARMER AGENCY | 3834 SPICEWOOD SPRINGS RD SUITE 100 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $17K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 404 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.