| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INS SVCS | 6575 W LOOP SOUTH SUITE 230 BELLAIRE, TX 774013509 | HM LIFE INSURANCE COMPANY | $35K | — | $35K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 94-1702986 ADMINISTRATOR | Plan Administrator; Copying and duplicating Service code 14 | PO BOX 819015 DALLAS, TX 75381 | $2.3M |
| BAKER BOTTS, LLP ATTORNEY | Legal Service code 29 | PO BOX 301251 DALLAS, TX 753031251 | $610K |
| UBS INVEST CUSTODIAN | Custodial (securities) Service code 19 | 2155 LOUISIANA BLVD NE ALBUQUERQUE, NM 871105481 | $111K |
| EATON VANCE INVESTMENT MGR | Investment management Service code 28 | — | $94K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Consulting (general); Actuarial Service code 11 | 7900 NORTH SAM HOUSTON PWKY WEST SUITE 110 HOUSTON, TX 77064 | $85K |
| BAHL & GAYNOR EIN 31-1297139 INVESTMENT MGR | Investment management Service code 28 | 255 EAST FIFTH STREET SUITE 2700 CINCINNATI, OH 45202 | $62K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $55K |
| TCW INVESTMENT MANAGEMENT INVESTMENT MGR | Investment management Service code 28 | FILE 56439 LOS ANGELES, CA 90074 | $47K |
| ALLIANZ GLOBAL INVESTORS INVESTMENT MGR | Investment management Service code 28 | — | $27K |
| UNIPLAN INVESTMENT COUNSEL INVESTMENT MGR | Investment management Service code 28 | — | $21K |
| MATTHEWS, STEIN, SHIELDS, PIERCE EIN 75-1913145 ATTORNEY | Legal Service code 29 | 8131 LBJ SUITE 700 DALLAS, TX 75251 | $14K |
| CINCINNATI ASSET MANAGEMENT INVESTMENT MGR | Investment management Service code 28 | — | $10K |
| EXCALIBUR EXPEDITERS, INC. DELIVERY SERVICE | Other services Service code 49 | — | $8K |
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 | 6,070 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 6,000 | $40.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 12,699 | $2.5M |
| Vision | VISION SERVICE PLAN | 6,009 | $0 |
| Prescription drug(2 contracts, 2 carriers) | SAVE RX | 977 | $9.5M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,407 | $441K |
| Other | HUMANA BEHAVIORAL HEALTH | 5,900 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,699 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.