| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED BENEFIT ADMINISTRATORS5 | 2024 E. PINETREE BOULEVARD THOMASVILLE, GA 31792 | AMERICAN NATIONAL LIFE INSURANCE | — | $54K | $54K | 9.42% |
| DOVER INSURANCE AGENCY3 | 20 S. HARNEY STREET CAMILLA, GA 31730 | AMERICAN NATIONAL LIFE INSURANCE | $29K | — | $29K | 5.04% |
| OPTUM TRANSPLANT SOLUTIONS0 | 62725 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AMERICAN NATIONAL LIFE INSURANCE | — | $13K | $13K | 2.33% |
| VALENZ0 | 23048 N. 15TH AVENUE PHOENIX, AZ 85027 | AMERICAN NATIONAL LIFE INSURANCE | — | $12K | $12K | 2.13% |
| CAREVALET0 | 1646 W. SNOW AVENUE, #13 TAMPA, FL 33606 | AMERICAN NATIONAL LIFE INSURANCE | — | $8K | $8K | 1.47% |
| HINES & ASSOCIATES0 | 14 N. RIVERSIDE AVENUE ST. CHARLES, IL 60714 | AMERICAN NATIONAL LIFE INSURANCE | — | $3K | $3K | 0.60% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE | 210 | $568K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE | 210 | $568K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE | 210 | $568K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE | 210 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.