| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $17 | $17 | 0.00% |
| OTC GLOBAL HOLDINGS, LP3 | 5151 SAN FELIPE SUITE 2200 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $4 | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | $6K | $8K | 32.20% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 63.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 27.06% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 42.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 18.00% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 42.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 18.00% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 38.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 16.51% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 384 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 384 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 56 | $26K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 56 | $51K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 56 | $26K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 56 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 384 | $2.5M |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 67 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.