| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICE, INC. | 6575 WEST LOOP, SOUTH, STE. 230 BELLAIRE, TX 774013509 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $75K | — | $75K | 9.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN EIN 82-0497661 CONTRACT ADMIN | Contract Administrator Service code 13 | 520 CENTRAL PARKWAY E, STE. 311 SUITE PLANO, TX 75074 | $193K |
| STEGEMUELLER, JETT & CO., P.C. EIN 76-0774332 ACCOUNTING | Accounting (including auditing) Service code 10 | 40 N. E. LOOP 410, STE. 506 SAN ANTONIO, TX 78216 | $41K |
| THE SEGAL COMPANY EIN 94-1503999 ACTUARIAL | Actuarial Service code 11 | 7900 N. SAM HOUSTON PKWY 110 HOUSTON, TX 77064 | $38K |
| FROST NATIONAL BANK EIN 74-0635455 CUSTODIAL | Custodial (securities) Service code 19 | P.O. BOX 2950 SAN ANTONIO, TX 78205 | $34K |
| CONNER & WINTERS, LLP EIN 73-1388566 LEGAL | Legal Service code 29 | 1001 MCKINNEY STREET, STE. 550 HOUSTON, TX 770021639 | $33K |
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 | 737 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 737 | $289K |
| Life insurance(2 contracts, 2 carriers) | GERBER | 737 | $807K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 737 | $763K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 716 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.