No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN EIN 82-0497661 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 860007 PLANO, TX 75086 | $567K |
| RYAN BENEFITS INC EIN 20-2332795 CONSULTANT | Consulting (general) Service code 16 | 520 CENTRAL PKWY EAST SUITE 316 PLANO, TX 75074 | $75K |
| MORGAN STANLEY SMITH BARNEY INV MGR | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1400 CIVIC PLACE SUITE 200 SOUTHLAKE, TX 76092 | $53K |
| CONNER & WINTERS, LLP EIN 20-5176788 ATTORNEY | Investment management Service code 28 | 1001 MCKINNEY ST SUITE 550 HOUSTON, TX 77002 | $37K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $15K |
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 | 2,191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,191 | $14.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,019 | $55K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO | 2,308 | $577K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,019 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,308 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.