| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ULTRABENEFITS, INC.1 | 100 N. PARKWAY WORCESTER, MA 01605 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $27K | $27K | 13.49% |
| PHIL SOULE1 | 100 N. PARKWAY WORCESTER, MA 01605 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $26K | $26K | 13.21% |
| TIMOTHY THOMPSON | 299 OCEAN HOUSE ROAD CAPE ELIZABETH, ME 04107 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $18K | $18K | 9.33% |
| FIRST HEALTH | 750 RIVERPOINT DRIVE WEST SACRAMENTO, CA 95605 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $6K | $6K | 3.05% |
| PATIENT ADVOCATES LLC | 235 PORTLAND ROAD GRAY, ME 04039 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $4K | $4K | 2.09% |
| NATIONAL BILL AUDIT SERVICES | 5999 CENTRAL AVE ST. PETERSBURG, FL 33710 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $327 | $327 | 0.17% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Dental | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Vision | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Life insurance | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Prescription drug | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 92 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.