| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 1.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOU | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $300 | $12K | 15.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOU | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $187 | $6K | 15.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $118 | $4K | 15.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $4K | $54 | $5K | 20.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | EYEMED VISION CARE | $2K | — | $2K | 10.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $34 | $1K | 15.41% |
No Schedule C service providers reported on this filing.
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $916K |
| Vision | EYEMED VISION CARE | 320 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 74 | $25K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $916K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 535 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.