| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $165K | $13K | $179K | 12.33% |
| LEWIS WATKINS FARMER AGENCY INC3 | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 3.64% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85K | — | $85K | 15.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| LEWIS WATKINS FARMER AGENCY INC3 | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 3.67% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| 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 | $15K | $775 | $16K | 16.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.16% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY INC | 3834 SPICEWOOD SPRINGS #100 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| 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 | $11K | $470 | $11K | 17.65% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 11.28% |
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 | 2,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 88 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 132 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,513 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,513 | $1.5M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,702 | $883K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,694 | $391K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,696 | $414K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,702 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,513 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.