| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS-WATKINS-FARMER AGENCY | PO BOX 9369 AUSTIN, TN 787669369 | HUMANA HEALTH PLAN OF TEXAS, INC. | $28K | $3K | $31K | 4.72% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS FARMER AGENCY | PO BOX 9369 AUSTIN, TX 787669369 | HUMANA INSURANCE COMPANY | $6K | $162 | $6K | 10.58% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE RD STE 1190 GEORGETOWN, TX 78626 | AFLAC | $6K | $608 | $7K | 16.51% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $1K | $176 | $1K | 3.25% |
| DAVID MARTIN GUSTAFSON3 Filed as: DAVID GLEN WALDREN | 1415 BAY HILL DR AUSTIN, TX 78746 | AFLAC | $771 | $268 | $1K | 2.50% |
| JAMES MORGAN POWELL3 | 4505 AUTUMNLEAF HOLW AUSTIN, TX 78746 | AFLAC | $965 | — | $965 | 2.32% |
| DAVID M SPINELLI3 | 161 HICKORY LN GEORGETOWN, TX 78633 | AFLAC | $415 | — | $415 | 1.00% |
| JUSTIN SCHAIBLE3 | 25928 HAYNIE FLAT RD SPICEWOOD, TX 78669 | AFLAC | $346 | — | $346 | 0.83% |
| DAVID MARTIN GUSTAFSON3 Filed as: DAVID GLEN WALDREN | 4204 ATHERTON DR PLANO, TX 75093 | AFLAC | $111 | — | $111 | 0.27% |
| DAWN D STILLWELL3 | 135 S SAGE HOLW DRIPPING SPRINGS, TX 78620 | AFLAC | $97 | — | $97 | 0.23% |
| TRAVIS WALKER3 | PO BOX 9000 HORSESHOE BAY, TX 78657 | AFLAC | $91 | — | $91 | 0.22% |
| WHITNEY LYNN SMITH3 | 3300 N MAIN ST APT 525 BELTON, TX 76513 | AFLAC | $64 | — | $64 | 0.15% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $44 | — | $44 | 0.11% |
| CHRISTIAN M KRUEGER3 | 2633 FAIRWOOD DR NEW BRAUNFELS, TX 78132 | AFLAC | $37 | — | $37 | 0.09% |
| CYNTHIA KATHLEEN CORBITT3 | 9103 COLLINGWOOD DR AUSTIN, TX 78748 | AFLAC | $33 | — | $33 | 0.08% |
| RAMOS & CO FINANCIAL SERVICES LLC3 | 7603 WILDCAT PASS AUSTIN, TX 78757 | AFLAC | $25 | — | $25 | 0.06% |
| THOMAS H. BALL3 Filed as: THOMAS H BALL | 600 W 5TH ST STE 200 AUSTIN, TX 78701 | AFLAC | $20 | — | $20 | 0.05% |
| DONNA W OLSOVSKY3 | PO BOX 2507 FRISCO, TX 75034 | AFLAC | $19 | — | $19 | 0.05% |
| JAIME I VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $16 | — | $16 | 0.04% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $12 | — | $12 | 0.03% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $11 | — | $11 | 0.03% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $9 | — | $9 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $6 | — | $6 | 0.01% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $6 | — | $6 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $4 | — | $4 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $3 | — | $3 | 0.01% |
| HEATHER F SEIBERT3 | 86 COUNTRY ROAD 303 SHINER, TX 77984 | AFLAC | $3 | — | $3 | 0.01% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $3 | — | $3 | 0.01% |
| DONNA W OLSOVSKY3 | PO BOX 2507 FRISCO, TX 75034 | AFLAC | $2 | — | $2 | 0.00% |
| ERVIN EDWARD NOTHNAGEL3 | 225 COUNTRY ROAD 3525 PARADISE, TX 76073 | AFLAC | $2 | — | $2 | 0.00% |
| JEY T REX3 | 923 ELECTRA LAKEWAY, TX 78734 | AFLAC | $1 | — | $1 | 0.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 86 | $661K |
| Dental | HUMANA INSURANCE COMPANY | 107 | $55K |
| Vision | HUMANA INSURANCE COMPANY | 107 | $55K |
| Life insurance | HUMANA INSURANCE COMPANY | 107 | $55K |
| Short-term disability | AFLAC | 35 | $42K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 107 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.