| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 6575 WEST LOOP SOUTH STE 230 BELLAIRE, TX 774013509 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $78K | — | $78K | 9.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN EIN 82-0497661 NONE | Contract Administrator Service code 13 | 520 CENTRAL PARKWAY E STE 311 SUITE 400 PLANO, TX 75074 | $203K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial Service code 11 | 10740 NORTH GESSNER STE 320 HOUSTON, TX 77064 | $52K |
| CONNER & WINTERS EIN 73-1388566 NONE | Legal Service code 29 | 1001 MCKINNEY STREET STE 550 HOUSTON, TX 770021639 | $46K |
| STEGEMUELLER, JETT & CO., P.C EIN 76-0774332 NONE | Accounting (including auditing) Service code 10 | 40 N E LOOP 410 STE 506 SAN ANTONIO, TX 78216 | $42K |
| FROST NATIONAL BANK EIN 74-0635455 NONE | Custodial (securities) Service code 19 | P O BOX 2950 SAN ANTONIO, TX 78205 | $24K |
| DENTAL NETWORK EIN 36-1236610 NONE | Claims processing Service code 12 | 701 E 22ND STREET STE 300 LOMBARD, IL 60148 | $6K |
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 | 740 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 740 | $6.5M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 740 | $34K |
| Prescription drug | ENVISION PHARMACEUTICAL SERVICES, LLC | 740 | $1.1M |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 812 | $806K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 740 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.