| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | PO BOX 9369 AUSTIN, TX 78766 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $71K | $81K | 5.60% |
| CARTER MAY3 Filed as: CARTER A MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $12K | $169 | $12K | 12.35% |
| JAIME I VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $6K | $5 | $6K | 5.82% |
| LEWIS WATKINS FARMERS AGENCY INC.3 Filed as: LEWIS WATKINS FARMERS AGENCY INC | 3834 SPREWOOD SPRINGS 100 AUSTIN, TX 78759 | AFLAC | $6K | — | $6K | 5.64% |
| LAXSON BENEFITS LLC3 | 2028 E BEN WHITE BLVD STE 235 AUSTIN, TX 78741 | AFLAC | $2K | — | $2K | 1.61% |
| TERRY MICHAEL LAXSON3 | 2028 E BEN WHITE BLVD STE 235 AUSTIN, TX 78741 | AFLAC | $2K | $5 | $2K | 1.60% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $65K |
| Short-term disability | AFLAC | 85 | $100K |
| Other(2 contracts, 2 carriers) | AFLAC | 208 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
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.