| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICA ADMINISTRATORS, LP5 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $64K | — | $64K | 15.00% |
| NORTH AMERICA ADMINISTRATORS, LP5 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 19.45% |
| NORTH AMERICA ADMINISTRATORS, LP5 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 132 | $435K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 132 | $424K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 132 | $424K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 132 | $424K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.