| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | 11201 N TATUM BLVD #300 PHOENIX, AZ 85028 | BLUECROSS BLUESHIELD OF TEXAS | $26K | — | $26K | 2.78% |
| CBS INSURANCE LLP3 | 3005 SOUTH TREADAWAY ABILENE, TX 79602 | BLUECROSS BLUESHIELD OF TEXAS | $15K | — | $15K | 1.64% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 S 5TH ST WACO, TX 76701 | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.14% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - MULTIPLE AGENTS* | SEE ATTACHED FOR BREAKDOWN PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41K | $3K | $44K | 27.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 11201 N TATUM BLVD #300 PHOENIX, AZ 85028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.03% |
| CBS INSURANCE LLP3 | 3005 S TREADAWAY BLVD ABILENE, TX 79602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.94% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 209 | $932K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $102K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 234 | $258K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $156K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $156K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.