| 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) | — | $25K | $25K | 14.24% |
| PHIL SOULE1 | 100 N. PARKWAY WORCESTER, MA 01605 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $22K | $22K | 12.14% |
| TIMOTHY THOMPSON | 299 OCEAN HOUSE ROAD CAPE ELIZABETH, ME 04107 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $15K | $15K | 8.57% |
| FIRST HEALTH | 750 RIVERPOINT DRIVE WEST SACRAMENTO, CA 95605 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $5K | $5K | 2.84% |
| PATIENT ADVOCATES LLC | 235 PORTLAND ROAD GRAY, ME 04039 | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | — | $3K | $3K | 1.71% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Dental | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Vision | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Life insurance | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Prescription drug | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATION LIFE INSURANCE COMPANY OF TEXAS (ANTEX) | 97 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.