| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS. INC | 5847 SAN FELIPE SUITE 2750 HOUSTON, TX 77057 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $189K | — | $189K | 15.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 | — | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SV | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 22-3461740 PRESCRIPTION INSURANCE | Insurance services Service code 23 | PO BOX 52150 PHOENIX, AZ 85072 | $5.9M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $1.5M |
| BENEFIT RESOURCE INC. TPA | Contract Administrator Service code 13 | 8441 GULF FREEWAY SUITE 304 HOUSTON, TX 77017 | $139K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Actuarial Service code 11 | 7900 NORTH SAM PARKWAY, WEST SUITE 110 HOUSTON, TX 77064 | $46K |
| SOUTHEAST CHAPTER OF NECA RECORD KEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2825 WILCREST SUITE 303 HOUSTON, TX 77042 | $26K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | 606 ROLLINGBROOK SUITE 1J BAYTOWN, TX 77522 | $13K |
| PATRICK FLYNN EIN 76-0040964 ATTORNEY | Legal Service code 29 | 1225 N LOOP HOUSTON, TX 77008 | $13K |
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 | 2,265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 2,134 | $79K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 2,149 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,149 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.