Plan Ledger DOL Form 5500 · updated monthly

Citizens, Inc.benefits

Citizens, Inc. Employee Health Insurance Plan · AUSTIN, TX · plan year 2025

Broker compensation reported · 2025
$207,153

Citizens, Inc.'s benefits plans covered 245 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits. Insurance premiums totaled $2,677,530. Insurance brokers and agents were paid $207,153 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 7.7% of premiums. That is $846 per covered person, in the top 10% of employer plans that report broker pay. Brokers were paid 4.1x the $50,150 reported for 2024.

Insurance contracts · 20253
CURATIVE INSURANCE COMPANY · health drug ppo$2.7M · 194 covered
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · dental visionpremiums n/a · 221 covered
PRUDENTIAL INSURANCE COMPANY OF AMERICA · life std ltdpremiums n/a · 245 covered
Brokers & agents paid · 20252
USI INSURANCE SERVICES LLC$207,097 · incl $7,670 fees
IMG$56 · incl $56 fees
Also brokered by Usi5
Adapthealth, LLC PA$827,688

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 840755371 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.