| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMSTRA BENEFIT SOLUTIONS LLC3 | 8430 FOUNTAIN CIRCLE SUITE 214 SAN ANTONIO, TX 78229 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 4.36% |
| JANNA L HAMSTRA3 | 12011 HUEBNER RD #214 SAN ANTONIO, TX 78230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 16.11% |
| JANNA L HAMSTRA3 | 8430 FOUNTAIN CIRCLE SAN ANTONIO, TX 78229 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| JANNA L HAMSTRA3 | 8430 FOUNTAIN CIRCLE SAN ANTONIO, TX 78229 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| JANNA L HAMSTRA3 | 12011 HUEBNER RD #214 SAN ANTONIO, TX 78230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.22% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 2411 N HALL ST #17 DALLAS, TX 75204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAMSTRA BENEFIT SOLUTIONS LLC EIN 26-1802054 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 8430 FOUNTAIN CIRCLE SUITE 214 SAN ANTONIO, TX 78229 | $0 |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $973K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $193K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 488 | $218K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $42K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 488 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.