| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY | PO BOX 1188 MINEOLA, TX 75773 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 5.24% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY | PO BOX 1188 MINEOLA, TX 75773 | BANNER HEALTH AND AETNA HEALTH | $0 | $6K | $6K | 5.60% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $682 | $10K | 12.47% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.78% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $167 | $2K | 10.50% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.38% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $163 | $3K | 18.34% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.82% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $134 | $3K | 19.88% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $893 | — | $893 | 6.31% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 21.23% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 138 | $751K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 117 | $79K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 117 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $19K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 138 | $751K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
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.