| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS L | 9575 KATY FWY STE 340 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $62K | $74K | 2.83% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS L | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 2.74% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS L | 9545 KATY FWY STE 340 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.21% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS L | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $512 | — | $512 | 5.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICANIZED BENEFITS CONSULTANTS L EIN 36-2739571 BROKER | Other commissions Service code 55 | 9575 KATY FWY STE 340 HOUSTON, TX 77024 | $76K |
| 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 | $10K |
| AMERICANIZED BENEFITS CONSULTANTS EIN 01-0784820 BROKER | Other commissions Service code 55 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | $7K |
| AMERICANIZED BENEFIT CONSULTANTS EIN 36-2739571 BROKER | Other commissions Service code 55 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | $512 |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $2.9M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 430 | $87K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 430 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.