| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $2K | $29K | 5.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | $176 | $3K | 18.22% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT STE 103-339 WOODWAY, TX 76712 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 11.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF TEXAS-DEARBORN LIFE INSURANCE CO | $1K | $490 | $2K | 18.26% |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 66 | $576K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 66 | $576K |
| Vision | BLUECROSS BLUESHIELD OF TEXAS-DEARBORN LIFE INSURANCE CO | 73 | $9K |
| Life insurance | BLUECROSS BLUESHIELD OF TEXAS-DEARBORN LIFE INSURANCE CO | 73 | $9K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 73 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.