| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | STEPHENS INSURANCE, LLC HOUSTON, TX 77046 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $70K | $0 | $70K | 13.81% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | AVANT SPECIALTY BENEFITS, LLC KANSAS CITY, MO 64108 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $25K | $25K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 | Contract Administrator; Other fees; Other services Service code 13 | — | $163K |
| STEPHENS INSURANCE, LLC EIN 20-5068534 | Other services; Other fees; Contract Administrator Service code 13 | — | $67K |
| CIGNA CORPORATION EIN 59-1031071 | Other fees; Contract Administrator; Other services Service code 13 | — | $53K |
| PRIME THERAPEUTICS MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGMT | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $26K |
| HEALTHGRAM - TELADOCINC. EIN 47-4591265 | Other services; Contract Administrator; Other fees Service code 13 | — | $6K |
| PAYER MATRIX EIN 81-3946362 | Direct payment from the plan Service code 50 | — | $6K |
| CAREOPERATIVE, LLC EIN 20-8981027 | Other fees; Contract Administrator; Other services Service code 13 | — | $5K |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $408K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.