| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | KAISER FOUNDATION HEALTH PLAN | $23K | — | $23K | 6.01% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 15.10% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER N ARNET | 1851 LAKE DRIVE WEST 350 CHANHASSEN, MN 55317 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.04% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 5.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRONSHORE INDEMNITY EIN 26-0542654 | Other insurance fees and expenses Service code 73 | 605 RENAISSANCE WAY RIDGELAND, MS 39158 | $230K |
| AMERICAS CHOICE HEALTHPLANS EIN 20-0296224 | Other commissions; Contract Administrator Service code 13 | 13111 NORTHWEST FREEWAY SUITE 510 HOUSTON, TX 77040 | $62K |
| HEALTHCARE STRATEGIES EIN 52-1874471 | Other insurance fees and expenses Service code 73 | PO BOX 37039 BALTIMORE, MD 21797 | $8K |
| PRIVATE HEALTH CARE SYSTEMS EIN 04-3138814 | Insurance services Service code 23 | 1100 WINTER STREET WALTHAM, MA 02451 | $3K |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 74 | $458K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $72K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 171 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $100K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.