| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 3.27% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $96K | — | $96K | 6.76% |
| LEWIS WATKINS FARMER AGENCY INC3 | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 3.44% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 8.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 1000 NORTH CENTRAL EXPRESSWAY # 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $689 | $4K | 1.58% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 9.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 1000 NORTH CENTRAL EXPRESSWAY # 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $506 | $3K | 1.17% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 14.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 1000 NORTH CENTRAL EXPRESSWAY # 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $895 | $119 | $1K | 0.51% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.72% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS INC D/B/A CORESTRE | 3606 ENTERPRISE AVENUE # 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.48% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.17% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS INC D/B/A CORESTRE | 3606 ENTERPRISE AVENUE #304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.78% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 NORTH CENTRAL EXPRESSWAY # 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | $124 | $1K | 2.06% |
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 | 2,403 | 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) | 2,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 168 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,168 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,168 | $1.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,403 | $248K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,392 | $261K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,395 | $261K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,403 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,168 | — |
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.