| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF TEXAS | $156K | $4K | $160K | 17.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERIVCES, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $59K | — | $59K | 6.62% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MSIROW INSURANCE SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $6K | $6K | 0.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD SUITE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $46K | — | $46K | 9.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 3.03% |
| TCOR INSURANCE AGENCY LTD3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DEARBORN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.80% |
| OPTAVISE, LLC3 | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61K | — | $61K | 18.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 8.11% |
| VICTORIA ANNE BEENE3 | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 810 SOUTH FLOWER STREET APARTMENT 612 LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF TEXAS | $16K | $4K | $20K | 8.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERIVCES, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 2.68% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $6K | $6K | 2.36% |
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 | 1,150 | 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) | 1,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,490 | $245K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,100 | $483K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,100 | $483K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,100 | $483K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,100 | $483K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,180 | $897K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,100 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.