| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE CONSULTANTS, INC.3 | 11111 KATY FWY. SUITE 800 HOUSTON, TX 77079 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLEAT EIN 74-1874446 PLAN SPONSOR | Contract Administrator Service code 13 | 400 WEST 14TH ST., SUITE 100 AUSTIN, TX 78701 | $79K |
| EMPLOYER PLAN SERVICES EIN 74-2124394 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 2180 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77018 | $41K |
| ATCHLEY & ASSOCIATES, LLP EIN 74-2920819 ACCOUNTANT | Accounting (including auditing) Service code 10 | 6850 AUSTIN CENTER BLVD., SUITE 180 AUSTIN, TX 78731 | $14K |
| MITCHELL WILLIAMS SELIG GATES WOODY EIN 71-0261429 LEGAL SERVICES | Legal Service code 29 | 500 W. 5TH STREET, SUITE 1150 AUSTIN, TX 78701 | $13K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | PO BOX 81889 LINCOLN, NE 685011889 | $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 | 3,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | FEDERAL INSURANCE COMPANY | 3,302 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,302 | — |
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.