| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $34K | — | $34K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $2K | — | $2K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 16.22% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.00% |
| DEBORAH L RANSDELL3 | 8512 SELWAY DRIVE AUSTIN, TX 78736 | AFLAC | $5K | — | $5K | 27.37% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $697 | — | $697 | 3.90% |
| RONALD T DAMRAU3 | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $679 | — | $679 | 3.80% |
| JAY MICHAEL ANDERSON3 | 536 TRAVERTINE TRAIL BUDA, TX 78610 | AFLAC | $542 | — | $542 | 3.03% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $38 | — | $38 | 0.21% |
| DONNA W OLSOVSKY3 | PO BOX 2507 FRISCO, TX 75034 | AFLAC | $13 | — | $13 | 0.07% |
| ROBERT D SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $7 | — | $7 | 0.04% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $4 | — | $4 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $4 | — | $4 | 0.02% |
| STEPHANIE DENISE GARLAND3 | 110 NORTH INTERSTATE 35 SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $3 | — | $3 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $3 | — | $3 | 0.02% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $3 | — | $3 | 0.02% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $2 | — | $2 | 0.01% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BOULEVARD SUITE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $1 | — | $1 | 0.01% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER F SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.01% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 163 | $928K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $98K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.