| 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 | $74K | — | $74K | 10.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 9.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS | $2K | $307 | $2K | 9.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | — | $858 | 15.00% |
| CHRISTOPHER J CRAMER3 Filed as: CHRISTOPHER CRAMER | 1940 FOUNTAIN VIEW DRIVE HOUSTON, TX 77057 | MANHATTAN LIFE | $95 | — | $95 | 2.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5847 SAN FELIPE, SUITE 2750 HOUSTON, TX 77057 | MANHATTAN LIFE | $57 | — | $57 | 1.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Named fiduciary; Float revenue; Direct payment from the plan; Participant communication; Non-monetary compensation; Other services; Contract Administrator; Claims processing Service code 12 | — | $321K |
| CIGNA | Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Participant communication; Other services; Contract Administrator; Named fiduciary 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 | 669 | 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) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 594 | $742K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 446 | $151K |
| Vision | AETNA LIFE INSURANCE COMPANY | 573 | $37K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $101K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $110K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 396 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1 | $10K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 594 | $732K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.