Form 5500 · Employee benefit plan · WACO, TX
NAMAN, HOWELL, SMITH & LEE PLLC
The filing calls this plan NAMAN, HOWELL, SMITH & LEE PLLC FLEXIBLE SPENDING ACCOUNT.
Public Form 5500 records show how NAMAN, HOWELL, SMITH & LEE PLLC of WACO, TX, a professional services employer, structures its employee benefits. Its broker of record is BAILEY & ASSOCIATES FINANCIAL SERVI. Coverage is written through PROVIDENCE ADMINISTRATIVE SERVICES, INC. and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-2004800 · plan 502 · plan year 2025, filed Jun 17, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with PROVIDENCE ADMINISTRATIVE SERVICES, INC., covers 168 people.
The filing declares life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $532,981 in premium and $68,972 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $895,869, with $103,850 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in March, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PROVIDENCE ADMINISTRATIVE SERVICES, INC. | Stop-loss | 168 | Apr 1, 2025 | $532,981 | $68,972 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental, Vision | 113 | Apr 1, 2025 | $98,914 | $9,891 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 77 | Jan 1, 2026 | $46,421 | $6,963 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 189 | Jan 1, 2026 | $96,216 | $6,627 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 69 | Apr 1, 2025 | $39,288 | $5,893 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 174 | Apr 1, 2025 | $82,049 | $5,504 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Texas. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Texas — largest plans, brokers, carriers and renewal months.