| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | COMPANION LIFE | $108K | — | $108K | 16.14% |
| STEVEN SHOFNER3 | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 33.75% |
| SCHNITTKER, REED, HEADLEY3 Filed as: SCHNITTKER REED HEADLEY | 2400 DALLAS PARKWAY SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.04% |
| BRYAN WESTON3 | 4816 ALLENCREST LANE DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $243 | — | $243 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT, INC. EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $58K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1K |
| INTERMOUNTAIN UNDERWRITERS, INC. EIN 81-0425785 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 9 | $45K |
| Short-term disability | STANDARD INSURANCE COMPANY | 9 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 9 | $45K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 97 | $671K |
| Other | STANDARD INSURANCE COMPANY | 9 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.