| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC. Filed as: STOP LOSS INSURANCE SERVICES INC | 6575 WEST LOOP SOUTH STE 230 BELLAIRE, TX 774013509 | BERKLEY LIFE AND HEALTH INSURANCE | $47K | — | $47K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 94-1702986 ADMINISTRATOR | Copying and duplicating; Plan Administrator Service code 14 | PO BOX 819015 DALLAS, TX 75381 | $2.4M |
| BAKER BOTTS, LLP ATTORNEY | Legal Service code 29 | PO BOX 301251 DALLAS, TX 75303 | $673K |
| UBS INVEST CUSTODIAN | Custodial (securities) Service code 19 | 2155 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | $107K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Consulting (general); Actuarial Service code 11 | 7900 NORTH SAM HOUSTON PWKY WEST SUITE 110 HOUSTON, TX 77064 | $80K |
| TCW INVESTMENT MANAGEMENT INVEST MGR | Investment management Service code 28 | FILE 56439 LOS ANGELES, CA 90074 | $70K |
| BAHL & GAYNOR EIN 31-1297139 INVEST MGR | Investment management Service code 28 | 255 EAST FIFTH STREET SUTIE 2700 CINCINNATI, OH 45202 | $57K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDIT PAYROLL | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $53K |
| REILLY ECHOLS PRINT SERVICES | Copying and duplicating Service code 36 | — | $53K |
| COMERICA BANK BANKING SERVICE | Other services Service code 49 | — | $42K |
| ALLIANZ GLOBAL INVESTORS INVEST MGR | Investment management Service code 28 | — | $42K |
| HILTON ARLINGTON HOTEL MEETINGS HOTEL | Other services Service code 49 | 2401 EAST LAMAR ARLINGTON, TX 76006 | $39K |
| SEGAL SELECT INSURANCE INSURANCE | Insurance agents and brokers Service code 22 | — | $39K |
| WELLESLY / CINCINNATI ASSET MGMT INVEST MGR | Investment management Service code 28 | — | $30K |
| EAGLE GLOBAL ADVISORY INVEST MGR | Investment management Service code 28 | — | $25K |
| EATON VANCE INVEST MGR | Investment management Service code 28 | — | $24K |
| UNIPLAN INVESTMENT COUNSEL INVEST MGR | Investment management Service code 28 | — | $15K |
| BALDWIN & BALDWIN PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | — | $9K |
| CHARLES HILL DELIVERY SERVICE | Other services Service code 49 | 222 GOLD FINCH DR RICHARDSON, TX 75081 | $9K |
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 | 6,733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 641 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 5,910 | $47.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,713 | $0 |
| Vision | VISION SERVICE PLAN | 5,912 | $0 |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE | 5,900 | $1.0M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE | 5,644 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,912 | — |
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 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.