| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FREEWAY, SUITE 470 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $77K | $133K | 12.73% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FRWY, STE 150 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 5.95% |
| GBS BENEFITS INC3 | 9575 KATY FWY, STE 150 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | $3K | $2K | $5K | 5.31% |
| AMERICANIZED BENEFITS CONSULTANTS | 9575 KATY FWY, STE 150 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | $1K | — | $1K | 1.55% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | $903 | — | $903 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EYRING, LEAVITT AND DRANEY, PLLC EIN 26-1783184 INDEPENDENT AUDITOR | Accounting (including auditing) Service code 10 | 142 ELDRIDGE RD, STE C SUGAR LAND, TX 77478 | $12K |
| AMERICANIZED BENEFITS CONSULTANTS EIN 01-0784820 BROKER | Insurance agents and brokers Service code 22 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | $0 |
| GBS HOUSTON, INC EIN 93-4429197 BROKER | Insurance agents and brokers Service code 22 | 9575 KATY FREEWAY STE 150 HOUSTON, TX 77024 | $0 |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $204K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $204K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | 368 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | 368 | $88K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY - NAIC CODE 69868 | 368 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.