| 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 | — | $46K | $46K | 4.17% |
| HEALTHCARE 2U3 | 140 GRANITE RIDGE DR SPICEWOOD, TX 78669 | ASSURED BENEFITS ADMINISTRATORS, INC. | — | $52K | $52K | 38.43% |
| ASSURED BENEFITS ADMINISTRATORS3 | 221N KANSAS ST STE 1610 EL PASO, TX 79901 | ASSURED BENEFITS ADMINISTRATORS, INC. | — | $35K | $35K | 25.75% |
| HAMSTEA BENEFITS3 | 111 MIMOSA DR SAN ANTONIO, TX 78213 | ASSURED BENEFITS ADMINISTRATORS, INC. | — | $18K | $18K | 12.87% |
| INDEPENDENT MEDICAL SYSTEMS3 | 8150 N CENTRAL EXP STE 1700 DALLAS, TX 75206 | ASSURED BENEFITS ADMINISTRATORS, INC. | — | $7K | $7K | 5.15% |
| JANNA L HAMSTRA3 | 12011 HUEBNER RD #214 SAN ANTONIO, TX 78230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 18.01% |
| JANNA L HAMSTRA3 | 12011 HUEBNER RD #214 SAN ANTONIO, TX 78230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $955 | $20K | 20.22% |
| 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 | $9K | — | $9K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAMSTRA BENEFIT SOLUTIONS LLC EIN 26-1802054 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 12011 HUEBNER RD SUITE 124 SAN ANTONIO, TX 78230 | $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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $102K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $201K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $43K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.