| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | AGENCY LLC 17 COBBLESTONE CIRCLE NORTH ANDOVER, MA 01845 | AETNA LIFE INSURANCE COMPANY | $0 | $60K | $60K | 10.66% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY | PO BOX 1188 MINEOLA, TX 75773 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 4.77% |
| LEWIS WATKINS FARMER AGENCY INC3 | PO BOX 1188 MINEOLA, TX 75773 | AETNA LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.01% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $590 | $8K | 10.21% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 4.75% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $137 | $3K | 15.13% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $912 | — | $912 | 4.81% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $126 | $2K | 10.09% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | — | $839 | 4.83% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $116 | $2K | 17.37% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $782 | -$5 | $777 | 5.48% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.85% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 128 | $568K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 154 | $83K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 154 | $83K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $14K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 128 | $563K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.