| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANBTX INSURANCE SERVICES, INC.3 | 12400 COIT RD SUITE 1100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 5.88% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES, LTD. | 1218 WEBSTER ST HOUSTON, TX 77002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 2.91% |
| ANBTX INSURANCE SERVICES, INC.3 | 12400 COIT RD SUITE 1100 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.32% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES, LTD. | 1218 WEBSTER ST HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| ANBTX INSURANCE SERVICES, INC.3 | 12400 COIT RD SUITE 1100 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.20% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES, LTD. | 1218 WEBSTER ST HOUSTON, TX 77002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $247 | — | $247 | 0.30% |
| ANBTX INSURANCE SERVICES, INC.3 | 12400 COIT RD SUITE 1100 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.64% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES, LTD. | 1218 WEBSTER ST HOUSTON, TX 77002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $819 | — | $819 | 1.79% |
No Schedule C service providers reported on this filing.
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $635K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $84K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $635K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.