| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC & H LIFE AGENCY-AUSTIN | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $40K | — | $40K | 4.89% |
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC & H LIFE AGENCY- DALLAS | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $9K | $9K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 14.87% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.00% |
| DEBORAH L RANSDELL3 | 8512 SELWAY DRIVE AUSTIN, TX 78736 | AFLAC | $453 | $33 | $486 | 10.13% |
| RONALD T DAMRAU3 | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $373 | $14 | $387 | 8.07% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $84 | $9 | $93 | 1.94% |
| JAY MICHAEL ANDERSON3 | 368 AMBER ASH DRIVE KYLE, TX 78640 | AFLAC | $67 | $9 | $76 | 1.58% |
| ERIC NOTHNAGEL3 | 3800 JUNIPER HILLS STREET CEDAR PARK, TX 78613 | AFLAC | $43 | — | $43 | 0.90% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $17 | $4 | $21 | 0.44% |
| DONNA W OLSOVSKY3 | P.O. BOX 2507 FRISCO, TX 75034 | AFLAC | $12 | — | $12 | 0.25% |
| ROBERT D SEIBERT3 | P.O. BOX 1329 SHINER, TX 77984 | AFLAC | $9 | — | $9 | 0.19% |
| STEPHANIE DENISE GARLAND3 | 110 NORTH INTERSTATE 35 SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $4 | — | $4 | 0.08% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $4 | — | $4 | 0.08% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BOULEVARD SUITE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $4 | — | $4 | 0.08% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $3 | — | $3 | 0.06% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $2 | — | $2 | 0.04% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 196 | $810K |
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 203 | $917K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $107K |
| Life insurance(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 203 | $917K |
| Short-term disability | AFLAC | 12 | $5K |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 203 | $922K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.