| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANNA HAMSTRA3 Filed as: JANNA LYND HAMSTA | 17123 EAGLE HOLLOW DR SAN ANTONIO, TX 78248 | HUMANA HEALTH PLAN OF TEXAS,INC | $29K | $0 | $29K | 4.13% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, TX 30339 | HUMANA HEALTH PLAN OF TEXAS,INC | $6K | $0 | $6K | 0.87% |
| JANNA HAMSTRA3 Filed as: JANNA LYND HAMSTA | 17123 EAGLE HOLLOW DR SAN ANTONIO, TX 78248 | GUARDIAN | $21K | $0 | $21K | 13.26% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE,LLC | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | GUARDIAN | $5K | $0 | $5K | 2.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Recordkeeping fees; Other fees Service code 64 | — | $33K |
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 | 1,449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS,INC | 100 | $702K |
| Dental | GUARDIAN | 196 | $157K |
| Vision | GUARDIAN | 196 | $157K |
| Life insurance | GUARDIAN | 196 | $157K |
| Short-term disability | GUARDIAN | 196 | $157K |
| Long-term disability | GUARDIAN | 196 | $157K |
| Other | GUARDIAN | 196 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.