| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $22K | $422 | $23K | 2.56% |
| 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. | $16K | — | $16K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC- DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $6K | $408 | $6K | 0.70% |
| 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. | — | $856 | $856 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 15.40% |
| 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 | $262 | — | $262 | 5.45% |
| RONALD T DAMRAU3 | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $199 | — | $199 | 4.14% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $57 | — | $57 | 1.19% |
| JAY MICHAEL ANDERSON3 | 536 TRAVERTINE TRAIL BUDA, TX 78610 | AFLAC | $57 | — | $57 | 1.19% |
| RONALD T DAMRAU3 Filed as: RONALD DAMRAU | 4704 CIRCLE OAK CV AUSTIN, TX 78749 | AFLAC | $52 | — | $52 | 1.08% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $32 | — | $32 | 0.67% |
| DONNA W OLSOVSKY3 | PO BOX 2507 FRISCO, TX 75034 | AFLAC | $12 | — | $12 | 0.25% |
| ROBERT D SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $10 | — | $10 | 0.21% |
| ERIC NOTHNAGEL3 | 3800 JUNIPER HILLS STREET CEDAR PARK, TX 78613 | AFLAC | $7 | — | $7 | 0.15% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $7 | — | $7 | 0.15% |
| STEPHANIE DENISE GARLAND3 | 110 NORTH INTERSTATE 35 SUITE 315 ROUND ROCK, TX 78681 | 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% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 142347 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $3 | — | $3 | 0.06% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $2 | — | $2 | 0.04% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $2 | — | $2 | 0.04% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $2 | — | $2 | 0.04% |
| HEATHER F SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.02% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 189 | $884K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $114K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $114K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.