| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ULTRABENEFITS, INC.1 | 100 N. PARKWAY WORCESTER, MA 01605 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $44K | $44K | 21.68% |
| CIGNA2 Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $33K | $33K | 16.20% |
| TIMOTHY THOMPSON6 | 299 OCEAN HOUSE ROAD CAPE ELIZABETH, ME 04107 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $21K | $21K | 10.34% |
| TIMOTHY ROONEY5 | 9462 BROWNBORO ROAD LOUISVILLE, KY 40241 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $21K | $21K | 10.34% |
| ZELIS CLAIMS INTEGRITY INC3 Filed as: ZELIS | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $3K | $3K | 1.71% |
| PATIENT ADVOCATES LLC4 | 25 SHAKER ROAD GRAY, ME 04039 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $2K | $2K | 1.20% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Vision | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Life insurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 111 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.