| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | — | $174K | $174K | 5.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 18.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 9.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 18.35% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICHLETTE & BRITT INC | 1111 N LOOP W, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.21% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.21% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 625 | $3.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $72K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $327K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $136K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 625 | $3.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.