| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $128K | $127 | $128K | 7.98% |
| VERGE MOBILE, LLC3 | 12000 WESTHEIMER ROAD SUITE 230 HOUSTON, TX 77077 | BLUECROSS BLUESHIELD OF TEXAS | — | $15 | $15 | 0.00% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $8K | — | $8K | 41.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $5K | $395 | $6K | 28.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $168 | — | $168 | 1.12% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES INC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $6K | — | $6K | 42.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $4K | $289 | $4K | 28.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $5K | — | $5K | 44.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $3K | $203 | $3K | 30.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $431 | $86 | $517 | 5.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $153 | $153 | 1.55% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 346 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 346 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 219 | $19K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 221 | $15K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 34 | $10K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 34 | $10K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 346 | $1.6M |
| Other(6 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 346 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.