| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC HOUSTON | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | UNITEDHEALTHCARE INSURANCE COMPANY | $178K | — | $178K | 1.84% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $40K | $40K | 11.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $12K | 4.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC HOUSTON | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.37% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $553 | $553 | 1.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| PRS INSURANCE SOLUTIONS AGENCY3 | 13747 MONTFORT DRIVE SUITE 111 DALLAS, TX 75248 | PAN-AMERICAN LIFE INSURANCE COMPANY | $87 | — | $87 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS HEALTH INSURED ASSISTANCE EIN 82-1061233 SERVICE VENDOR | Other insurance wrap fees Service code 67 | — | $40K |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $9.7M |
| Dental(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 550 | $396K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $66K |
| Life insurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 625 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 600 | $275K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.