| 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) | — | $37K | $37K | 23.71% |
| TIMOTHY THOMPSON5 | 299 OCEAN HOUSE ROAD CAPE ELIZABETH, ME 04107 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $19K | $19K | 12.38% |
| PHIL SOULE6 | 100 N.PARKWAY WORCESTER, MA 01605 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $14K | $14K | 9.13% |
| TIMOTHY ROONEY4 | 9462 BROWNBORO ROAD LOUISVILLE, KY 40241 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $13K | $13K | 8.40% |
| PATIENT ADVOCATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $12K | $12K | 8.01% |
| FIRST HEALTH2 | 100 N. PARKWAY WORCESTER, MA 01605 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $6K | $6K | 3.91% |
| NATIONAL BILL AUDIT SERVICES7 | 075 SEMINOLE BLVD ST PETERSBURG, FL 33772 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $4K | $4K | 2.50% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Vision | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Life insurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 101 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.