| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECHELON GROUP INC3 Filed as: ECHELON ADVISORS LLC | 1613 S CAPITAL OF TEXAS HWY STE 205 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $8K | $31K | 19.24% |
| ECHELON GROUP INC3 Filed as: ECHELON ADVISORS LLC | 2224 WALSH TARLTON LN STE 220 AUSTIN, TX 78746 | HUMANA INSURANCE COMPANY | $365 | — | $365 | 2.92% |
| JAIME I VILLASANA3 | 1500 HIDDEN GLEN DR ROUND ROCK, TX 78681 | AFLAC | $471 | — | $471 | 5.97% |
| NIGEL M HIGGS3 | 1363 RED TOWN RD ELGIN, TX 78621 | AFLAC | $357 | — | $357 | 4.53% |
| MARIA J. ACCURSO3 Filed as: MARIA J ACCURSO | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $242 | — | $242 | 3.07% |
| TERRY MICHAEL LAXSON | 6836 FM 2244 RD BLDG 3 AUSTIN, TX 78746 | AFLAC | $93 | — | $93 | 1.18% |
| CATHY MICHELE JACKSON3 | 1908 MEANDERING MEADOWS DR PFLUGERVILLE, TX 78660 | AFLAC | $83 | — | $83 | 1.05% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR LUBBOCK, TX 79490 | AFLAC | $74 | — | $74 | 0.94% |
| ERIC NOTHNAGEL3 | 3800 JUNIPER HILLS ST CEDAR PARK, TX 78613 | AFLAC | $66 | — | $66 | 0.84% |
| STEPHEN J REITZ3 | 6004 MOUNT BONNELL RD AUSTIN, TX 78731 | AFLAC | $16 | — | $16 | 0.20% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $13 | — | $13 | 0.16% |
| CHRISTINA M BRUNSON3 | PO BOX 2023 CEDAR PARK, TX 78630 | AFLAC | $12 | — | $12 | 0.15% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $8 | — | $8 | 0.10% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $7 | — | $7 | 0.09% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $5 | — | $5 | 0.06% |
| GRADY E BIBLE3 | 10304 VAN WINKLE CT AUSTIN, TX 78739 | AFLAC | $4 | — | $4 | 0.05% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $2 | — | $2 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $2 | — | $2 | 0.03% |
| JOHN MITCHELL WHITMAN3 | 2152 N MAIN ST BELTON, TX 76513 | AFLAC | $2 | — | $2 | 0.03% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.01% |
| ANGEL SAUCEDO3 | 10001 S 1ST ST APT 822 AUSTIN, TX 78748 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER F SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.01% |
| CHARLES MCCRANN | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $1 | — | $1 | 0.01% |
| ECHELON GROUP INC3 Filed as: ECHELON ADVISORS LLC | 2224 WALSH TARLTON LN STE 220 AUSTIN, TX 78746 | HUMANA DENTAL INSURANCE COMPANY | $185 | — | $185 | 7.49% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $171K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $161K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $171K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $159K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.