| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS H. BALL3 | 600 WEST 5TH STREET, SUITE 200 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS | $25K | $10K | $35K | 2.69% |
| DANIEL PEOPLES3 | 600 W. FIFTH STREET, SUITE 200 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS | $25K | $0 | $25K | 1.93% |
| EFG & M LP3 Filed as: EFG&M LP | 614 CAPITAL OF TEXAS HWY S AUSTIN, TX 78746 | HUMANA HEALTH PLAN OF TEXAS | $3K | $0 | $3K | 0.23% |
| JAY MILTON MESSER3 Filed as: JAY M. MESSER | 614 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | HUMANA HEALTH PLAN OF TEXAS | $2K | $0 | $2K | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-DALLAS | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | HUMANA HEALTH PLAN OF TEXAS | $47 | $0 | $47 | 0.00% |
| THOMAS BALL III3 Filed as: THOMAS H. BALL/DANIEL PEOPLES/EFG&M | 600 WEST 5TH STREET, SUITE 200 AUSTIN, TX 78701 | ACE USA GROUP | $9K | $0 | $9K | 8.44% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS | 217 | $1.3M |
| Dental | ACE USA GROUP | 213 | $107K |
| Vision | ACE USA GROUP | 213 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.