| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY #340 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $9K | $6K | $16K | 0.26% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9545 KATY FREEWAY #340 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74K | $9K | $83K | 17.54% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | VISION SERVICE PLAN | $2K | — | $2K | 2.73% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM5 | 11000 OPTUM CIRCLE EDEN PRAIRE, MN 55344 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $28K | $28K | — |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 770241489 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $924 | — | $924 | — |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,125 | $6.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,125 | $6.2M |
| Vision | VISION SERVICE PLAN | 333 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 465 | $475K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 465 | $475K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 465 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.