| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | — | $56K | 9.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 14.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 14.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 13.99% |
| CHRISTOPHER J CRAMER3 Filed as: CHRISTOPHER J. CRAMER | 1940 FOUNTAIN VIEW DRIVE, PMB 113 HOUSTON, TX 77057 | HUMANA | $283 | — | $283 | 4.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | HUMANA | $170 | — | $170 | 2.61% |
| CHRISTOPHER J CRAMER3 Filed as: CHRISTOPHER CRAMER | 1940 FOUNTAIN VIEW DRIVE HOUSTON, TX 77057 | MANHATTAN LIFE | $46 | — | $46 | 3.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5847 SAN FELIPE, SUITE 2750 HOUSTON, TX 77057 | MANHATTAN LIFE | $27 | — | $27 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing Service code 12 | — | $425K |
| CIGNA | Direct payment from the plan; Claims processing; Other services; Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Float revenue Service code 12 | — | $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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 677 | $157K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $97K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 642 | $561K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.