| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | PO BOX 730054 DALLAS, TX 75319 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 3.37% |
| BKCW LP3 Filed as: BKCW L P | 2100 TRIMMIER RD STE 100 KILLEEN, TX 64641 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 11201 N TATUM BLVD #300 PHOENIX, AZ 85028 | GUARDIAN | $26K | — | $26K | 9.32% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER INS INC | 807 N. 8TH P.O. BOX 996 KILLEEN, TX 76540 | GUARDIAN | $11K | — | $11K | 3.92% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.1M |
| Dental | GUARDIAN | 256 | $283K |
| Vision | GUARDIAN | 256 | $283K |
| Life insurance | GUARDIAN | 256 | $283K |
| Short-term disability | GUARDIAN | 256 | $283K |
| Long-term disability | GUARDIAN | 256 | $283K |
| Other | GUARDIAN | 256 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.