| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA HEALH PLAN OF TEXAS, INC. | $30K | $901 | $31K | 3.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA HEALH PLAN OF TEXAS, INC. | $10K | $0 | $10K | 1.23% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $5K | $3K | $8K | 12.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.32% |
| JADE CHAVEZ3 Filed as: JADE E. CHAVEZ | 110 NORTH INTERSTATE 35, SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $7K | $327 | $7K | 25.10% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $908 | $78 | $986 | 3.45% |
| MATT NEAS3 | 2515 EMONT DRIVE, APPARTMENT 566 AUSTIN, TX 78741 | AFLAC | $534 | $0 | $534 | 1.87% |
| ROBERT K WHITT3 Filed as: ROBERT K. WHITT AND OTHER AGENTS | 7712 SHOAL CREEK BOULEVARD AUSTIN, TX 78757 | AFLAC | $234 | $22 | $256 | 0.90% |
| RONALD T DAMRAU3 Filed as: RONALD T. DAMRAU | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $211 | $39 | $250 | 0.87% |
| TERRY MICHAEL LAXSON3 | 6836 FM 2244 ROAD, BUILDING 3 AUSTIN, TX 78746 | AFLAC | $151 | $65 | $216 | 0.76% |
| JAY MICHAEL ANDERSON3 | 536 TRAVERTINE TRAIL BUDA, TX 78610 | AFLAC | $73 | $12 | $85 | 0.30% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | DENTICARE, INC. | $585 | $734 | $1K | 16.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78701 | DENTICARE, INC. | $194 | $0 | $194 | 2.49% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 1315 HOUSTON, TX 77251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $652 | $0 | $652 | 10.09% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $318 | $0 | $318 | 4.92% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALH PLAN OF TEXAS, INC. | 116 | $805K |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 231 | $77K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 231 | $69K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $6K |
| Prescription drug | HUMANA HEALH PLAN OF TEXAS, INC. | 116 | $805K |
| Other(2 contracts, 2 carriers) | AFLAC | 231 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.