| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY ASSURANCE COMPANY OF BOSTON EIN 04-6076039 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $246K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $54K |
| HSA BANK EIN 06-0273620 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1515 N. RIVERCENTER DRIVE SUITE 235 MILWAUKEE, WI 53212 | $25K |
| DAVIS VISION, INC. EIN 11-3051991 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $16K |
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 | 5,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 10,219 | $33.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 10,219 | $33.1M |
| Life insurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 10,219 | $35.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,277 | $801K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,277 | $801K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 4,284 | $2.2M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,661 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,219 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.