| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 16 SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $182K | — | $182K | 15.00% |
| MOLONEY & ONEILL LIFE INC3 | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $82K | — | $82K | 6.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE FLOOR 15 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 2.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SV | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $14K | — | $14K | 16.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 22-3461740 PRESCRIPTION INSURANCE | Insurance services Service code 23 | PO BOX 52150 PHOENIX, AZ 85072 | $4.8M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $813K |
| NAVITUS PRESCTIPTION INSURANCE | Insurance services Service code 23 | 2601 WEST BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $206K |
| BENEFIT RESOURCE INC TPA | Contract Administrator Service code 13 | 8441 GULF FREEWAY SUITE 304 HOUSTON, TX 77017 | $151K |
| 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 | $36K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Actuarial Service code 11 | 7900 NORTH SAM PARKWAY, WEST SUITE 110 HOUSTON, TX 77064 | $30K |
| PATRICK FLYNN EIN 76-0440964 ATTORNEY | Legal Service code 29 | 1225 N LOOP HOUSTON, TX 77008 | $24K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $16K |
| ALLIANT INS SVCS INC BROKER/CONSULTANT | Consulting (general) Service code 16 | 5847 SAN FILIPE SUITE 2750 HOUSTON, TX 77057 | $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 | 2,041 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,745 | $84K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,047 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,047 | — |
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.
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.