| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMSTRA BENEFIT SOLUTIONS LLC3 Filed as: HAMSTRA BENEFIT SOLUTIONS, LLC | 17123 EAGLE HOLLOW DR SAN ANTONIO, TX 78248 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $32K | — | $32K | 9.01% |
| HAMSTRA BENEFIT SOLUTIONS LLC3 Filed as: HAMSTRA BENEFIT SOLUTION LLC | 17123 EAGLE HOLLOW DRIVE SAN ANTONIO, TX 78248 | UNION SECURITY INSURANCE COMPANY | $29K | — | $29K | 8.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED DENTAL CARE OF TEXAS, INC | $1K | — | $1K | 5.64% |
| HAMSTRA BENEFIT SOLUTIONS LLC3 Filed as: HAMSTRA BENEFIT SOLUTION LLC | 17123 EAGLE HOLLOW DRIVE SAN ANTONIO, TX 78248 | UNITED DENTAL CARE OF TEXAS, INC | $872 | — | $872 | 4.35% |
| MARY A RODRIGUEZ3 | PO BOX 791227 SAN ANTONIO, TX 78259 | AFLAC | $2K | — | $2K | 9.96% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $197 | — | $197 | 1.16% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 STE 408 STE 408 SAN ANTONIO, TX 78216 | AFLAC | $152 | — | $152 | 0.90% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $41 | — | $41 | 0.24% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $14 | — | $14 | 0.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $6 | — | $6 | 0.04% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $6 | — | $6 | 0.04% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $6 | — | $6 | 0.04% |
| JAY T REX3 | 3710 CANEY CREEK RD AUSTIN, TX 78732 | AFLAC | $5 | — | $5 | 0.03% |
| ENROLLEASE3 Filed as: JANNA HAMSTRA/ONEDIGITAL | — | HEALTHCARE2U, LLC | $2K | — | $2K | 20.00% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 504 | $378K |
| Vision | UNION SECURITY INSURANCE COMPANY | 504 | $358K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 504 | $358K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 504 | $358K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 504 | $358K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 504 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.