| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 2 GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | GREAT MIDWEST INSURANCE COMPANY | $23K | — | $23K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | ARMADACARE | $1K | — | $1K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 421 W 3RD STE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.49% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N. CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.06% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N. CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W. 3RD SUITE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.49% |
| IPS ADVISORS3 | 10000 N. CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.08% |
| IPS ADVISORS3 | 10000 N. CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | — | $843 | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.28% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC | 10000 N. CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.23% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC | 10000 N. CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $903 | — | $903 | 2.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W. 3RD SUITE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.49% |
| IPS ADVISORS3 | 10000 N. CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.10% |
| IPS ADVISORS3 | 10000 N. CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $641 | — | $641 | 2.50% |
| SUPERIOR VISION | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 27267 MINNEAPOLIS, MN 55427 | $269K |
| HUB INTERNATIONAL CONSULTANT | Insurance agents and brokers Service code 22 | 10000 N. CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | $23K |
| EDWARDS AJD LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | P.O. BOX 860 BAYTOWN, TX 77522 | $11K |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 280 | $269K |
| Dental | MERITAIN HEALTH | 280 | $269K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 208 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $34K |
| Prescription drug | EXPRESS SCRIPTS INC | 525 | $371K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 287 | $703K |
| Other(4 contracts, 3 carriers) | MERITAIN HEALTH | 317 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.