| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | — | $31K | 14.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.46% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | TRANSAMERICA LIFE INSURANCE COMPANY | $69K | — | $69K | 36.54% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 1350 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | TRANSAMERICA LIFE INSURANCE COMPANY | $55K | — | $55K | 29.23% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 7.31% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 9.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $671 | $671 | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 9.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $627 | $627 | 0.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $83 | $83 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF TEXAS EIN 36-1236610 MEDICAL/RX ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $114K |
| ASSUREDPARTNERS GULF COAST INS AGCY MED BROKER COMM/FEES | Insurance brokerage commissions and fees Service code 53 | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | $99K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL/VISION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $43K |
| HONESTRX CONSULTING, LLC MEDICAL BROKER FEES | Insurance brokerage commissions and fees Service code 53 | 550 RESERVE STREET SUITE 190 SOUTHLAKE, TX 76092 | $35K |
| TIMOTHY JOSEPH FOSTER MED BROKER COMMISSIONS | Insurance brokerage commissions and fees Service code 53 | 550 RESERVE ST STE 190 SOUTHLAKE, TX 76092 | $32K |
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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 911 | $219K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 910 | $121K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 911 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.