| 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 | $308K | $225 | $309K | 7.89% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $258K | $516 | $258K | 6.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $16K | $66K | 1.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.51% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 0.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $507 | $507 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 400 CAPITOL MALL, SUITE 2600 SACRAMENTO, CA 95814 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | $0 | $15K | 2.22% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS FARMER AGENCY, INC. | 3834 SPICEWOOD SPRINGS ROAD SUITE 100 AUSTIN, TX 78759 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.09% |
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 | 3,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 74 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 83 | $714K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Prescription drug(3 contracts, 2 carriers) | RXBENEFITS, INC. | 515 | $7.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,275 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,275 | — |
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.