| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY BUILDING B, SUITE 200 AUSTIN, TX 78749 | BLUECROSS BLUESHIELD OF TEXAS | $66K | — | $66K | 4.95% |
| MESIROW INSURANCE SERVICES INC3 | 5850 SAN FELIPE STREET SUITE 500 HOUSTON, TX 77057 | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 NORTH CAPITAL OF TEXAS HIGHWAY BUILDING B, SUITE 200 AUSTIN, TX 78749 | GUARDIAN | $5K | — | $5K | 14.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3699 N CAPITAL OF TEXAS HWY B SUITE 1 AUSTIN, TX 78746 | GUARDIAN | $45 | — | $45 | 0.14% |
| OPES ONE ADVISORS LLC3 | 15303 NORTH DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | GUARDIAN | $0 | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIRECT ADVISORS, LLC | Recordkeeping fees Service code 64 | 14 PLAZA DRIVE SUITE 102 LATHAM, NY 12110 | $49K |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 445 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 445 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 169 | $21K |
| Life insurance | GUARDIAN | 143 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.