| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77079 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.77% |
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.77% |
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| AMERICA'S CHOICE HEALTHPLANS | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSHORE INDEMNITY, INC EIN 26-0542654 | Other insurance fees and expenses Service code 73 | 605 RENAISSANCE WAY RIDGELAND, MO 39158 | $254K |
| AMERICA'S CHOICE HEALTHPLANS EIN 20-0296224 | Contract Administrator; Other commissions Service code 13 | 13111 NORTHWEST FREEWAY STE 510 HOUSTON, TX 77040 | $100K |
| IRONSHORE INDEMNITY, INC EIN 26-0542654 | Insurance services Service code 23 | 605 RENAISSANCE WAY RIDGELAND, MO 39158 | $39K |
| HEALTHCARE STRATEGIES INC EIN 52-1874471 | Actuarial Service code 11 | PO BOX 37039 BALTIMORE, MD 21797 | $13K |
| PRIVATE HEALTH CARE SYSYTEMS EIN 04-3138814 | Insurance services Service code 23 | 1100 WINTER STREET WALTHAM, MA 02451 | $5K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 | Insurance services Service code 23 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $2K |
| HEALTHCARE STRATEGIES, INC EIN 52-1874471 | Actuarial Service code 11 | PO BOX 37039 BALTIMORE, MD 21797 | $2K |
| FIRST DENTAL HEALTH EIN 33-0655193 | Insurance services Service code 23 | 3430 E SUNRISE DRIVE STE 160 TUCSON, AZ 85718 | $1K |
| CHARD-SYNDER EIN 99-0000051 | Plan Administrator Service code 14 | 6867 CINTAS BVLD MASON, OH 45040 | $400 |
| PRIVATE HEALTH CARE SYSTEMS EIN 04-3138814 | Insurance services Service code 23 | 1100 WINTER ST WALTHAM, MA 02451 | $351 |
| NOVANET EIN 58-2106226 | Insurance services Service code 23 | 3500 PARKWAY LANE STE 700 NORCROSS, GA 30092 | $346 |
| DENTEMAX EIN 27-0083277 | Insurance services Service code 23 | EQUIAN PO BOX 641 LOCKBOX 141917 INDIANAPOLIS, IN 46206 | $215 |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 97 | $614K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 3 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $121K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.