| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANNA L HAMSTRA3 | 8430 FOUNTAIN CIRCLE 4 SAN ANTONIO, TX 78229 | HUMANA HEALTH PLAN OF TEXAS, INC. | $23K | — | $23K | 4.61% |
| JANNA L HAMSTRA3 | 12011 HUEBNER RD #214 SAN ANTONIO, TX 78230 | GUARDIAN | $6K | $2K | $8K | 14.35% |
| HAMSTRA BENEFITS SOLUTIONS3 | 8430 FOUNTAIN CIRCLE SAN ANTONIO, TX 78229 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 19.76% |
| HAMSTRA BENEFITS SOLUTIONS3 | 8430 FOUNTAIN CIRCLE SAN ANTONIO, TX 78229 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.85% |
| HAMSTRA BENEFITS SOLUTIONS3 | 8430 FOUNTAIN CIRCLE SAN ANTONIO, TX 78229 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 19.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Recordkeeping fees Service code 64 | — | $24K |
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 | 1,486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 90 | $503K |
| Dental | GUARDIAN | 128 | $57K |
| Vision | GUARDIAN | 128 | $57K |
| Short-term disability | STANDARD INSURANCE COMPANY | 135 | $25K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 212 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.