| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B200 AUSTIN, TX 78746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $265K | $3K | $268K | 20.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $44K | $17K | $61K | 21.86% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | $0 | $7K | 24.38% |
| KACY LAVENDER4 Filed as: KACY K. LAVENDER | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $672 | $0 | $672 | 2.20% |
| CL SCOTT CORPORATE INSURANCE SVCS4 Filed as: C.L. SCOTT CORPORATE INSURANCE | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B100 AUSTIN, TX 78746 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $117 | $0 | $117 | 0.38% |
| CHRISTOPHER J BRANTIGAN4 Filed as: CHRISTOPHER J. BRANTIGAN | 4004 MILLBRIDGE PARKWAY WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $73 | $0 | $73 | 0.24% |
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 | 706 | 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) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,118 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,118 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,118 | $1.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,159 | $279K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,159 | $279K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,159 | $279K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,159 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.