| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INFINITY INSURANCE & CONSULTING3 Filed as: INFINITY INSURANCE & CONSULTING LLC | 1600 NE LOOP 410 SAN ANTONIO, TX 78209 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BERNEFIT SERVICES INC | 1900 W LOOP S HOUSTON, TX 77027 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.13% |
| INFINITY INSURANCE & CONSULTING3 Filed as: INFINITY INSURANCE & CONSULTING LLC | 1600 NE LOOP 410 STE 102 SAN ANTONIO, TX 78209 | MAGNUM TECHNICAL SERVICES | $19K | — | $19K | 12.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | MAGNUM TECHNICAL SERVICES | $10K | — | $10K | 6.78% |
| INFINITY INSURANCE & CONSULTING3 Filed as: INFINITY INS & CONSULTING LLC | 1600 NE LOOP 410 SUITE 102 SAN ANTONIO, TX 78209 | FIDELITY SECURITY LIFE | $3K | — | $3K | 11.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC CLAIMS PROCESSOR | Claims processing Service code 12 | 1900 W LOOP S HOUSTON, TX 77027 | $14K |
| CENTERSTONE INSURANCE AND FINANCIAL CLAIMS PROCESSOR | Claims processing Service code 12 | 12404 PARK CENTRAL DR DALLAS, TX 75251 | $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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 257 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 257 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 257 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | MAGNUM TECHNICAL SERVICES | 136 | $176K |
| Short-term disability | MAGNUM TECHNICAL SERVICES | 136 | $147K |
| Long-term disability | MAGNUM TECHNICAL SERVICES | 136 | $147K |
| Other | MAGNUM TECHNICAL SERVICES | 136 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.