| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WE | UNKNOWN HOUSTON, TX 77064 | BLUECROSS BLUESHIELD OF TEXAS | $56K | $0 | $56K | 2.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $18K | $0 | $18K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WE | 920 MEMORIAL CITY WAY, SUITE 500 HOUSTON, TX 77024 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.82% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WE | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $99 | $10K | 12.22% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.23% |
| EMPYREAN INSURANCE SERVICES, INC.5 | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WE | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 242 SISTERDALE ROAD BOERNE, TX 78006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $189 | $189 | 0.22% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$5K | -$5K | -5.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WE | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $2K | $399 | $2K | 10.30% |
| BETHANY LOVING3 Filed as: BETHANY L. LOVING | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $340 | $0 | $340 | 1.70% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 150 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $103K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $103K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $103K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 343 | $2.2M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.