| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIRN ADVISORS, LLC3 Filed as: CAIRN ADVISORS LLC | 4819 WILLIAMS DR GEORGETOWN, TX 786332006 | HUMANA HEALTH PLAN OF TEXAS, INC | $28K | — | $28K | 3.94% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 155 INVERNESS DR W ENGLEWOOD, CO 801125000 | HUMANA HEALTH PLAN OF TEXAS, INC | $6K | — | $6K | 0.81% |
| MCKINLEY & DIMARCO INSURANCE SERVIC3 Filed as: MCKINLEY & DIMARCO INSURANCE SER IN | 1250 CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 787462082 | HUMANA HEALTH PLAN OF TEXAS, INC | -$136 | — | -$136 | -0.02% |
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 786332006 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| MCKINLEY & DIMARCO INSURANCE SERVIC3 Filed as: MCKINLEY & DIMARCO INSURANCE SER IN | 1250 S CAPITAL OF TEXAS HWY BL WEST LAKE HILLS, TX 787466174 | PRINCIPAL LIFE INSURANCE COMPANY | $316 | — | $316 | 0.50% |
| CAIRN ADVISORS, LLC3 Filed as: CAIRN ADVISORS LLC | 4819 WILLIAMS DR GEORGETOWN, TX 786332006 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 8.31% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 801125000 | HUMANA INSURANCE COMPANY | $957 | — | $957 | 1.68% |
| MCKINLEY & DIMARCO INSURANCE SERVIC3 Filed as: MCKINLEY & DIMARCO INSURANCE SER IN | 1250 CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 787462082 | HUMANA INSURANCE COMPANY | -$52 | — | -$52 | -0.09% |
| MCKINLEY & DIMARCO INSURANCE SERVIC3 | 1250 CAPITALOF TEXAS HWY AUSTIN, TX 78746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 4.73% |
| MELISSA B MADTES3 | 6814 HONEYRIDGE LANE SAN ANTONIO, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 2.32% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.94% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.94% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.88% |
| KAREN WINRICH3 | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78682 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.66% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.24% |
| BENTON J WINRICH3 | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.22% |
| LES MILLER3 | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.18% |
| JUSTIN CRAIG LAWHORN3 | 3000 JOE DIMAGGIO BLVD ROUND ROCK, TX 78665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC | 87 | $701K |
| Dental | HUMANA INSURANCE COMPANY | 89 | $57K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $63K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $63K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $63K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.