| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5847 SAN FELIPE STREET, SUITE 2750 HOUSTON, TX 77057 | UNITEDHEALTHCARE INSURANCE COMPANY | $120K | — | $120K | 17.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHIEMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | $10K | $82K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | VISION SERVICE PLAN | $682 | — | $682 | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $243 | — | $243 | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 36-2739571 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $449K |
| BANK OF OKLAHOMA, N.A. EIN 73-0780382 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $142K |
| VERISOURCE SERVICES, INC. EIN 76-0554001 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $44K |
| ERNST AND YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| ANTHEM HEALTH PLAN OF KY, INC. EIN 61-1237516 NONE | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Contract Administrator; Float revenue Service code 12 | — | $8K |
| RUDD AND WISDOM, INC. EIN 74-1896655 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| EXPRESS SCRIPTS | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $8K |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 514 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 512 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 746 | $486K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,825 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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.
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.