| 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 | $53K | — | $53K | 5.17% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 15.00% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 4.98% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | KAISER FOUNDATION HEALTH PLAN | $6K | — | $6K | 5.13% |
| AMERICAS CHOICE HEALTHPLANS LLC | 1311 NORTHWEST FWY STE 510 HOUSTON, TX 77040 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY/IRONSHORE INDEMNITY EIN 26-0542654 | Other insurance fees and expenses Service code 73 | PO BOX 7300 DOVER, NH 03821 | $858K |
| AMERICAS CHOICE HEALTHPLANS EIN 20-0296224 | Contract Administrator; Other commissions Service code 13 | 13111 NORTHWEST FREEWAY SUITE 510 HOUSTON, TX 77040 | $137K |
| HCARE HOLDCO INC EIN 88-4396365 | Other services Service code 49 | PO BOX 306562 NASHVILLE, TN 37230 | $10K |
| PRIVATE HEALTH CARE SYSTEMS EIN 04-3138814 | Insurance services Service code 23 | 1100 WINTER STREET WALTHAM, MA 02451 | $5K |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 103 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 150 | $156K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 150 | $156K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 150 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.