| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 5.12% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE INC | 15660 DALLAS PARKWAY, SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.85% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $11K | $357 | $12K | 17.44% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $1K | $112 | $2K | 2.41% |
| BRADLEY NALL3 Filed as: BRADLEY JAMES NALL | PO BOX 851 SALADO, TX 76571 | AFLAC | $1K | $0 | $1K | 1.88% |
| MATTHEW AUBERT3 | 13501 METRIC BOULEVARD, UNIT 4 AUSTIN, TX 78727 | AFLAC | $414 | $30 | $444 | 0.67% |
| JOSEPH WILLIAM ARD3 | 508 SHELLY DRIVE TROY, TX 75579 | AFLAC | $199 | $52 | $251 | 0.38% |
| MJ INSURANCE3 Filed as: JAIME VILLASANA AND VARIOUS AGENTS | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $229 | $2 | $231 | 0.35% |
| LAXSON BENEFITS LLC3 | 2028 EAST BEN WHITE AVENUE SUITE 235 AUSTIN, TX 78741 | AFLAC | $59 | $0 | $59 | 0.09% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 11.62% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $50K |
| Short-term disability | AFLAC | 57 | $66K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $50K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 152 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.