| 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 | $69K | — | $69K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS EIN 65-0851406 | Contract Administrator Service code 13 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $87K |
| CIGNA EIN 82-4991898 | Other insurance fees and expenses Service code 73 | PO BOX 645014 CINCINNATI, OH 45264 | $27K |
| SWALLOWS INSURANCE EIN 62-0966633 | Insurance brokerage commissions and fees Service code 53 | 480 NEAL STREET COOKEVILLE, TN 38501 | $19K |
| OPTUMHEALTH | Other insurance fees and expenses Service code 73 | 62725 COLLECTION CTR DR. CHICAGE, IL 60693 | $12K |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 137 | $460K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 137 | $460K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 137 | $460K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 137 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.